Commercial Banker

First Citizens Bank; San Jose (CA); On-site; USD 176,000 - 234,000; Full time

Job summary

First Citizens Bank in California seeks a Commercial Banker to build and expand relationships with business owners, helping them meet financial goals. You will manage an active prospect list, perform credit analyses, and coordinate with bank partners to offer deposits and related business services.

The role emphasizes sales, service standards, and compliant operations, with focus on lending growth, CRA opportunities, and community involvement.

Qualifications

• Bachelor’s degree and 6+ years’ experience in commercial or business lending, credit or business development.
• Alternatively, HS diploma/GED with 10+ years’ experience in the same fields.
• Valid driver’s license; frequent driving to offices and clients.

Responsibilities

• Develop and maintain an active prospect list and customer outreach plan.
• Engage with customers and referral sources to meet lending goals.
• Represent the Bank in the community to generate business and CRA opportunities.
• Provide financial guidance and analyze credit needs for lending decisions.
• Ensure compliance with regulations and bank policies; manage risk.

Skills

Structured sales process

Financial guidance

Sales planning

Financial analysis

Credit underwriting

Business lending knowledge

Deposits and cash management

Retail and wealth solutions

Education

Bachelor's degree + 6+ years in commercial or business lending

High School Diploma or GED + 10+ years in commercial or business lending

Job description

Overview

Forever Strong. What sets First Citizens apart?

Forever Strong. What sets First Citizens apart? Strong leadership, enduring values and a commitment to helping people and businesses prosper. As a Commercial 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. Commercial Bankers develop and maintain an active prospect list, customer outreach plan and quality referral sources. They are the primary contact for borrowing needs, on average, over $2MM and engage bank partners to provide a full range of deposit and related business services.

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 6 years' experience OR High School Diploma or GED/Equivalent and 10 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

• If hired in California, the base pay for this position is generally between $175,725.00 and $234,200.00. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law.
• For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.
• 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.