Business Banker II Target

First Citizens; Belleair Bluffs (FL); On-site; USD 70,000 - 105,000; Full time

Job summary

First Citizens Bank is seeking a results-driven Business Banker in Florida to grow and manage a portfolio of commercial clients, delivering tailored lending and cash management solutions. You will develop new relationships, assess credit needs, and coordinate with partners to meet client goals.

The role emphasizes proactive outreach, financial guidance, and adherence to regulatory standards while supporting community businesses with a long-term banking relationship.

Qualifications

• Bachelor’s degree with 4 years' experience in commercial lending or business development.
• High school diploma and 8 years’ experience in commercial lending or business development.
• Experience with credit analysis and client relationship building.

Responsibilities

• Achieve individual/team sales and relationship goals through proactive outreach.
• Engage customers, prospects and referral sources to generate lending opportunities.
• Ensure operations comply with bank policies and regulatory requirements.
• Collaborate with partners to deliver deposits, cash management and advisory solutions.

Skills

Structured sales process

Financial guidance

Sales planning

Financial analysis

Credit underwriting

Knowledge of business lending

Deposit and cash management solutions

Networking and centers of influence

Business development

Education

Bachelor's Degree + 4 years' experience

High School Diploma or GED/Equivalent + 8 years' experience

Job description

Overview

Forever Strong. What sets First Citizens apart?

Strong leadership, enduring values and a commitment to helping people and businesses prosper.As a Business Banker at First Citizens Bank you will carry on our tradition of developing and expanding relationships with business owners in your community to help them meet their financial goals.Business Bankers are responsible for acquiring and managing a portfolio of business banking relationships, and the primary contact for borrowing needs up to $5MM. This associate engages bank partners to provide a full range of deposit and related business services. Larger relationships may be managed with manager approval and/or appropriate partner support. Develops and maintains an active prospect list, customer outreach plan and quality referral sources in accordance with a sales plan to achieve production goals and profitability objectives.

Responsibilities & Qualifications

Duties & Responsibilities

Sales - Achieve individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. Sales results should align with the needs of the community and ultimately support the organizational commitment to diverse lending. Engage with customers, prospects and referral sources through proactive outreach. When appropriate, represents the Bank in the community by attending and participating in civic and community events for the purpose of generating additional business and identifying potential CRA opportunities for the Bank. Engage in sales practices that are aligned to create value for both the customer and the bank. Appropriate partnering, planning and preparation occurs to ensure conversations provide the relevant financial guidance needed to drive informed decisions.

Service Standards - Foster collaborative partnerships that deliver value for customers, prospects and colleagues. Initiate conversation to uncover sales or referral opportunities. Listen attentively and ask insightful questions to understand customer needs and preferences; and take prompt actions to address immediate needs. Proactively look for way to optimize performance by seeking coaching, supporting Bank initiatives and leveraging tools to enhance activities.

Operations and Administration - Comply with all regulations, bank policies, procedures and delegated authorities to manage risk related to credit, operational, reputational, regulatory and legal aspects of personal interactions, customer transactions and financial exposures. Complete required training by established deadlines. Perform general office management duties as assigned to ensure operational efficiency. Associates in roles defined to take deposits are accountable for transaction accuracy and operational efficiency of that function. The results may include an accountability for individual contribution as well as team performance.

Position Specific Skills

• Application of a structured sales process
• Providing financial guidance and expertise
• Sales planning and forecasting
• Financial analysis
• Credit underwriting
• Knowledge of business lending, deposit and cash management solutions
• Knowledge retail and wealth solutions referred
• Business development
• Networking and building centers of influence

Qualifications

Minimum Required Education and Experience: Bachelor's Degree and 4 years' experience OR High School Diploma or GED/Equivalent and 8 years' experience in Commercial or business lending, credit or business development

Required Licenses or Certifications

Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided.

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.