Business Banking Specialist

Position Description

Title:                           Business Banking Specialist

Department:              Business Development

Reports to:                 VP, Business Development Officer

Supervises:                 None

Classification:            Non-exempt

Date Prepared:          May 20, 2025

Summary / Objective

The Business Banking Specialist (BBS) position proactively grows and deepens relationships with existing small business customers as well as actively prospects for new small business and retail customers. This role is expected to work independently, responsible for ongoing customer account maintenance, and be a strong liaison between the customer and the bank in regards to problem solving and providing superior service to clients and prospective clients. 

Experience & Education Requirements:

• Minimum of 2 years of related banking experience
• Bachelor’s degree or equivalent sales and service experience
• Extensive knowledge of financial institution policies and procedures
• Good interpersonal, communication & computer skills

Essential Job Functions:

• Provide a complete range of customer service including opening new accounts, explaining available bank products and services, and gathering customer information to process new and existing accounts
• Responsible to provide comprehensive electronic banking support to customers
• Proactively prospect for new business & participate in sales of bank products
• Advise customers on a variety of additional product offerings including business services and commercial lending services. 
• Trouble shoot customer problems and complaints, counsel customers with special needs or requests
• Coordinate remote check deposit program
• Participate in activities for generating new business such as special events
• Participate in sales, service and product training meetings.  Attend seminars regarding business banking industry activities
• Provide comprehensive commercial services support to customers as well as branches, support branch training activities, actively involved in CBB training and regular meetings.  
• Complete required annual Compliance training.
• Adhere to banking regulations and industry best practices.
• Bank Secrecy Act responsibilities include adhering to the Customer Identification Program (CIP) Policy and reporting suspicious activity to the BSA Officer. 
• Make Calls on existing commercial relationships
• Follow up on referrals provided by existing customers or bank personnel
• Communicate effectively with clients, as well as internal and external business partners
• Manage MSB annual site visits
• Manage cash intensive business through site visits and pricing analysis
• Assist in loan closings with retail products & services
• Develop business leads to identify avenue for referral sources. 
• Participating in ongoing training to stay current on industry trends and new products.

Required knowledge, skills & abilities:

• Strong understanding of financial products and services and the ability to learn more
• Assess customer needs, provide solid recommendations, and build customer relationships to optimize sales opportunities with new and existing customers
• Exceptional verbal, written and interpersonal communication skills, with the ability to clearly and concisely articulate issues, carry out instructions and instruct others to generate reports, correspondence, and procedures.
• Possess a professional demeanor including business attire, courtesy, tact and conflict management skills
• Ability to apply critical thinking and problem-solving skills
• Responsive and flexible; ability to adapt to changes in the work environment and modify approaches or methods to best fit the situation.
• Successful completion of in-house training programs or other approved training programs
• Compliance with BSA regulations as appropriate to the position

Physical Demands and Work Environment:

• Ability to use standard equipment such as computers, phones, photocopiers
• Must be able to travel for bank purposes and/or on behalf of the bank (i.e. visiting other worksites, networking, community/marketing events)
• Must be able to work schedules that meet the needs of the Bank, which may include early morning, evening and /or weekend hours

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position

Other Duties

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. It is expected that from time to time other duties, both related and unrelated to the above, may be assigned and therefore, required.