Small Business Banker

City National Bank of Florida; Miami (FL); On-site; USD 55,000 - 85,000; Full time

Benefits offered by this job

Health Coverage

401(k) matching

PTO & holidays

Wellness resources

Job summary

City National Bank of Florida is seeking a skilled Small Business Banker II to serve dynamic small businesses with revenues up to $5 million. You will service, promote, and sell bank products, while building deposits and fee income through trusted relationships in Florida.

You will coordinate with market leadership, manage client needs end-to-end, and contribute to a high-performing team focused on profitability and exceptional service for local entrepreneurs.

Qualifications

• 5–7 years of banking experience in small business banking.
• Experience in loan structuring and credit analysis.
• Proven success in acquiring and growing small business relationships.
• Ability to perform cash flow analysis and pre-screens.

Responsibilities

• Meet and exceed individual and/or team sales goals.
• Develop and expand client relationships and contribute to the Bank’s success.
• Maintain prospect list and participate in networking activities.
• Serve as the face of the Bank in the community and take leadership roles as available.
• Grow the profitability of the small business client base.
• Develop deposit and loan relationships with clients.
• Acquire new priority small businesses and retain existing relationships.
• Coordinate with Lending staff during loan processes and credit decisions.
• Adhere to compliance and regulatory training, including S.A.F.E. Act requirements.

Skills

Excellent communication

Relationship management

Sales acumen

Networking

Collaboration

Education

Bachelor's degree in Business Administration/Finance/Economics

Job description

About Us

Think BIG. Achieve More.

At City National Bank of Florida, we invest in our people and the communities we serve. Join a team where ambitious careers and meaningful relationships thrive together. We’re entrepreneurs at heart—growing fast, making an impact, and shaping the future of banking in Florida. To learn more about City National Bank of Florida visit About Us!

Overview

About the Role

The Small Business Banker serves small businesses with annual revenues up to $5 million by providing banking products and services to clients. Responsible for meeting the needs and expectations of customers by servicing, promoting, and selling the Bank's products and services, increasing deposits and fee income, reducing expenses, maintaining client relationships, and consistently meeting or exceeding assigned individual or team sales goals. Services all customer account needs. Coordinates with the Market Manager in preparing required reports and performs other functions as required for the operations of the bank. Cross trained in all paying, receiving, and collection functions including cash handling. Accurately processes transactions and adheres to security and balancing procedures.

What You'll Do

• Consistently meets and exceeds individual and/or team sales goals, including but not limited to deposit, loans and other, as applicable.
• Proactively seek ways to develop and expand client relationships in order to contribute towards the Bank’s success.
• Develops and maintains a prospect list of potential customers. Participates in networking, outside sales efforts and cold calling as appropriate.
• Acts as the face of the Bank in the community and takes appropriate leadership roles as available.
• Responsible for growing the profitability of the small business client base.
• Develops deposit and loan relationships.
• Prospects and acquires new priority small businesses.
• Retains and deepens existing relationships.
• Responsible for new acquisition activities.
• Analyzes client’s financial conditions and recommends financial solutions to best meet client’s business and personal needs.
• Well versed in all Bank products and services to ensure relationship building opportunities and maintains strong relationships with current clients.
• Identifies client needs and will coordinate/refer to other lines of business as needed including meeting referral goal expectations.
• Opens and processes all types of accounts, products and/or services for clients after consulting with them on their specific needs.
• Makes overdraft decisions on a daily basis, pay/return decisions using independent judgement within authority limits.
• Handles general client inquiries. Reconciles client statements, confers with operations personnel regarding discrepancies in balances and other problems and works toward the proper maintenance of the account files.
• Services all customer account needs: accepts deposits, cashes checks within limits as specified by bank policy, processes withdrawals, sell travelers checks, and cashier checks. Accepts loan payments, etc.
• Works closely with all lines of business and other departments to deliver an integrated and seamless experience for clients.
• Maintains strong product knowledge and knowledge of the marketplace. Works with other bank employees on the approval of transactions necessary for the efficient operation of the bank.
• Keeps abreast of changing business trends that impact the Personal and Business Banking area and translates those rends into business opportunities.
• Ensures compliance with the Bank’s operational and security policies and procedures so as to ensure that maximum accounting integrity and security prevails at all times.
• Completes all necessary G/L tickets and balances accurately.
• Ensures that reports required by Senior Management are accurate and completed on time.
• Responsible for opening and closing the banking center.
• In conjunction with Lending staff or within own scope of authority interviews prospective loan applicants. Collects all pertinent customer supplied documents to support the credit decision process.
• Assists the underwriting officer or Bank Manager in obtaining complete information on the loan request and communicates with customer as needed. Based on the type of loan, may close the loan ensuring compliance with all credit regulations.
• Adhere to compliance and regulatory training, including S.A.F.E. Act requirements.

Qualifications

What You Bring

• 5–7 of recent banking experience as a Small Business Banker II or higher.
• Solid credit experience required, including prior responsibilities in loan structuring and credit analysis.
• Demonstrated success in acquiring and growing small business relationships.
• Ability to complete independent pre-screens and cash flow analysis.
• Collaborative, proactive, and goal-oriented mindset.
• Excellent communication and relationship management skills.

Education

• Bachelors degree in Business Administration, Finance, Accounting, Economics, or a related field preferred.
• An equivalent combination of education and relevant professional experience may be considered in lieu of a degree.

Benefits & Perks

• Health Coverage: Medical, dental, and vision plans with employer contributions.
• Retirement Savings: 401(k) with matching.
• Paid Time Off & Holidays: Generous PTO and paid holidays.
• Wellness Support: Access to mental health and financial wellness resources.

Visit our benefits page to learn more Benefits!

Join City National Bank of Florida. The possibilities are endless.

Equal Opportunity

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.

Interview Guidelines

To ensure a fair interview process, the use of AI wearables, AT tools, AI applications, or other external assistance is strickly prohibited.

Accommodations

If you require a reasonable accommodation to apply or participate in the hiring process, please contact our Talent Attraction team at [e-mail]