Small Business Banker II

Overview

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 judgment 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.

Operational Risk:

• Maintains compliance with Federal and State regulations as well as bank policies and procedures.
• Ensure compliance and completion of necessary compliance related training.
• Impact the operational and risk activities and related results for this role within the Banking Center.
• Adhere to all Banking Center Risk Assessment and Compliance Standards (this includes Global Radar).
• Control and mitigate losses by following policies and procedures.
• Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

Qualifications

• 5-7 years 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 ability to source new Sales Relationships.

• Demonstrated interest in coaching/mentoring other Small Business Bankers (SBBs).

• Leading calling session with other SBBs (role modeling).

• Interest in further developing leadership skills.

• Ability to cross-sell: TM, Mortgages, AUM.

• Excellent verbal and written communication skills.

Education

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

Special Instructions to Candidates

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 and consistent interview process, applicants are not permitted to use AI-enabled devices during interviews, including AI glasses or similar wearable technology that can record, transmit, or generate real-time information. 

Accommodations

Applicants who require a reasonable accommodation to participate in the interview process should contact [email protected] in advance of the interview to submit an accommodation request. City National Bank of Florida will engage in the interactive process and provide reasonable accommodations in accordance with applicable law.