Small Business Relationship Banker 1-2 - Charlotte Area

US Bank; Charlotte (NC); On-site; USD 42,000 - 52,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

Life insurance

Disability insurance

Parental leave

401(k) retirement plan

Paid vacation

Paid holidays

Adoption assistance

Sick leave

Job summary

U.S. Bank in Charlotte seeks a Small Business Relationship Banker to serve as the primary partner for assigned branches, delivering financial solutions to small businesses with revenues between $500K and $2.5 million. You will collaborate with branch teams and engage clients to uncover needs.

The role requires prospecting, disciplined follow-through, and strong communication to align banking products with growth, efficiency, and risk objectives.

Qualifications

• Bachelor’s degree or higher in business, accounting, finance, or equivalent experience.
• Three+ years of customer service, consultative sales, networking, prospecting, and/or small-business banking experience.
• National Mortgage Licensing Service registration under the SAFE Act and Regulation Z; compliant with all regulatory requirements.

Responsibilities

• Serve as the primary Small Business Banking partner for assigned branches and relationships.
• Provide comprehensive financial solutions to small businesses with annual revenues between $500K and $2.5 million.
• Develop internal and external relationships and maintain CRM discipline to drive client growth.

Education

Bachelor's degree in business, Accounting, Finance, or equivalent experience

Job description

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

Responsible for demonstrating excellent customer service in accordance with the U.S. Bank Core Values while serving as the primary Small Business Banking partner for assigned branches and relationships and providing comprehensive financial solutions to small businesses with annual revenues between $500K and $2.5 million. Typically supporting two to three branch locations, the Small Business Relationship Banker acts as a dedicated resource for branch teams, helping to address complex small business client needs and opportunities. The Small Business Relationship Banker builds and deepens client relationships through proactive outreach, structured discovery, consultative selling, and disciplined follow-through. The role translates financial information, cash-flow dynamics, client goals, operating cycle considerations, and risk indicators into practical guidance and solution recommendations.

This job requires outside prospecting and sales activities to grow revenue and achieve assigned financial targets and growth goals. The banker identifies stated and unstated client priorities, aligns products and services to growth, efficiency, and risk objectives, and clearly articulates value, trade-offs, and next steps. Solutions may include business deposit products, lending and credit products, treasury management, payment solutions, business credit cards, digital tools, cash-flow tools, and other appropriate small-business solutions.

The role actively develops internal and external relationships, collaborates with branch partners, centers of influence, clients, and other business line partners, and maintains relationship ownership and coordination through handoff, decision, follow-up, activation, usage, and demonstrated client value. Through regular engagement with assigned branches, the banker shares referral outcomes, successful sales and service practices, and insights on newly established small business relationships to strengthen partnership effectiveness and client growth opportunities. The banker balances acquisition, deepening, and service while maintaining strong CRM discipline and responsible banking practices.

This role has multiple levels, open to candidates with three or more years of customer service, consultative sales, networking, prospecting, and/or small-business banking experience. The successful candidate will be hired for the level of the position that aligns with their experience. Please note that the salary range provided corresponds to the lowest level of the position posted.

Required Qualifications:

• - Bachelor’s degree in business, Accounting, Finance, or equivalent experience and job-related experience

• - Three or more years of customer service, consultative sales, networking, prospecting, and/or small-business banking experience

• - National Mortgage Licensing Service registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z and ongoing compliance with all legal or regulatory registration requirements, including maintaining a satisfactory criminal and credit record

Desired Qualifications:

• - Demonstrates excellent customer service in accordance with the U.S. Bank Core Values and provides comprehensive financial solutions to small businesses with annual revenues between $500K and $2.5 million

• - Demonstrates strong written and verbal communication skills and can convey business recommendations in an effective manner

• - Understands banking operations, product knowledge, sales, new business development, customer service and relationship management, community relations, pipeline management, and responsible banking practices

Location Expectations

This role requires working from a U.S. Bank location five (5) days per week. This position also requires two or more hours of driving per week.

Compensation:

Total compensation includes base compensation in addition to eligibility for incentives based on the employee’s production under the applicable incentive plan.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

Pay Range: $30.76 - 37.60

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.