Commercial Banker

Business Banker at City National Bank of Florida summary:
The Business Banker manages a portfolio of small business clients, focusing on business development, credit analysis, and relationship management to drive growth. Responsibilities include structuring loans, conducting financial assessments, and collaborating with sales teams to meet deposit and loan targets. The role requires expertise in credit risk, financial analysis, and strong communication skills along with community involvement to fulfill regulatory requirements.
Are you a results-driven professional with a passion for building strong business relationships? As a Business Banker , you’ll serve as the primary relationship manager for a portfolio of business clients, focusing on companies generating less than $20 million in gross sales. You’ll drive growth by developing new business, managing client relationships, and delivering tailored financial solutions. This role is ideal for a seasoned banker with expertise in credit analysis, portfolio management, and business development.
Drive Business Growth: Meet and exceed individual and team sales goals, including deposits, loans, and other key metrics.
Expand existing client relationships and acquire new business through referrals, networking, and targeted outreach.
Analyze Credit: Conduct preliminary financial statement analysis and creditworthiness assessments to align with bank risk standards.
Portfolio Management: Oversee client portfolios, ensuring covenant compliance, collateral monitoring, and risk management.
Market Expertise: Stay informed about market trends, competitors, and opportunities for business growth.
Community Involvement: Actively participate in community organizations and events to represent the bank and fulfill CRA (Community Reinvestment Act) requirements.
Develop and execute sales proposals and strategies to grow core deposits and loan funding.
Structure and complete secured and unsecured business loans, ensuring compliance with bank policies.
Conduct pre-call planning and prepare for joint client appointments with Small Business Bankers.
Act as a client advocate, recommending financial solutions and cross-selling bank products and services.
Evaluate business, industry, and financial risks, documenting assessments in credit approval documents.
Participate in branch meetings, sales campaigns, and coaching sessions to support team success.
Experience: 5–7 years of business banking experience, including 2+ years in lending and credit analysis.
Skills: Strong business development, consulting, and relationship management skills. Expertise in credit structuring, financial analysis, and risk management. Credit training preferred.
Bachelor’s degree in Business Administration or a related field required.
Tech Savvy: Proficiency in Microsoft Office and CRM tools.
Bachelor's Degree in Business Administration or a n equivalent combination of education and relevant professional experience may be considered in lieu of a degree.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. business banker, credit analysis, loan officer, business development, portfolio management, financial solutions, small business loans, relationship management, risk management, sales goals