Business Banking Officer

Job Description:

A Business Banking Officer provides tailored financial solutions to small and mid-sized business clients by supporting daily banking needs, opening and maintaining business accounts, managing credit relationships, and recommending appropriate banking products and services.

Key Responsibilities:

Business Development:

• Quickly establish and maintain a consistent SBA-focused business development cadence within the marketplace, including but not limited to:
• Planning client outreach calls and managing follow-up activities
• Conducting client retention and relationship management calls
• Prospecting new business banking clients
• Engaging in outbound telephone communications with external parties
• Participating in networking and community events
• Support and expand a well-established Center of Influence (COI) network of community and business leaders to generate referrals
• Oversee sales activities, analyze credit profiles, structure loans appropriately, prepare and submit SBA loan applications, conduct client meetings, and assess borrower qualifications
• Source and develop new relationships to support portfolio growth and business expansion

Credit Acumen:

• Demonstrates strong knowledge of business banking credit products and financing options
• Tailors loan terms and product solutions to align with business needs, asset life cycles, and growth strategies
• Reviews business and personal financial statements and tax returns to evaluate creditworthiness and lending risk
• Estimates short- and long-term credit needs based on business sales cycles and growth plans
• Educates prospective clients on bank underwriting standards, SBA programs, and applicable regulatory requirements
• Collaborates with attorneys, loan closing agents, and internal partners to ensure timely loan closing and funding
• Balances business objectives with customer needs while proactively managing risk exposure
• Adheres to ethical standards outlined in Seacoast Bank’s Code of Conduct
• Supports the development of junior SBA lenders through mentoring and guidance
• Ensures compliance with bank policies and regulatory requirements, including BSA, AML, and OFAC
• Reviews loan requests and gathers required applicant documentation while maintaining fair lending and ethical sales practices
• Resolves customer concerns promptly and professionally, escalating issues as appropriate

Education and Experience:

• High school diploma or equivalent required
• College degree in finance, business, economics, or a related field preferred
• Minimum of five years of experience in SBA lending or business banking preferred
• At least ten years of experience in business development and/or financial services
• Strong written, verbal, and interpersonal communication skills
• Proficiency with desktop computers, laptops, tablets, smartphones, and Microsoft Office applications

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