Business Banking Officer Overview

Our client is seeking a Business Banking Officer to develop and manage relationships with small to mid-sized businesses within the regional market. This role combines new business development, portfolio management, and community engagement to support the financial needs of local companies. The ideal candidate is relationship-driven, experienced in business lending, and committed to delivering exceptional service while maintaining strong credit quality.

Business Banking Officer Key Responsibilities

• Proactively identify, source, and close new business banking relationships through community involvement, networking, and COI partnerships including attorneys, CPAs, and real estate professionals
• Grow and manage a portfolio of business clients by understanding their operations and financial needs, recommending tailored lending, deposit, and treasury solutions
• Represent the institution within the business community by attending events, chamber functions, and industry gatherings
• Build long-term, trust-based relationships by providing ongoing consultation and high-quality customer service
• Conduct financial analysis and credit assessments for new loan requests including lines of credit, owner-occupied real estate, equipment financing, and term loans
• Prepare and submit complete, accurate loan packages for underwriting in alignment with internal credit policies
• Manage an active portfolio through regular communication, annual reviews, covenant monitoring, and proactive risk identification
• Maintain strong asset quality and ensure compliance with regulatory requirements and internal standards
• Collaborate with credit analysts, loan operations, treasury management, and retail teams to ensure smooth onboarding and servicing of business clients
• Participate in sales meetings, pipeline reviews, and strategic discussions to support departmental growth
• Support cross-selling initiatives by introducing clients to merchant services, online banking tools, treasury management solutions, and other business banking products

Business Banking Officer Qualifications

• Three to seven years of experience in business banking, commercial lending, or a related financial services role
• Strong understanding of business financial statements, cash flow analysis, and credit underwriting fundamentals
• Proven track record of business development success and portfolio growth
• Excellent communication, negotiation, and relationship-building skills
• Knowledge of regulatory requirements, loan documentation, and risk management best practices
• Ability to work independently while contributing to a close-knit team environment
• Bachelor’s degree in business, finance, or related field preferred; equivalent experience considered

Why Join This Client?

• Community-focused financial institution with a relationship-driven culture
• Opportunity to manage and grow a meaningful business banking portfolio
• Strong internal credit, operations, and treasury support
• Competitive compensation structure with performance incentives
• Environment that encourages professional growth, autonomy, and community involvement

For immediate consideration please contact Brendan Holt with a resume and relevant qualifications.

Email: brendan@theagencyrecruiting.com