Business Specialist (SA)

DESCRIPTION 

The Business Banking Specialist is responsible for developing, managing, and expanding relationships with small business customers by delivering tailored financial solutions that support business growth and operational needs. This role focuses on proactive business development, relationship management, and portfolio growth while ensuring all documentation, regulatory, and risk requirements are met. The Business Banking Specialist serves as a trusted advisor to business clients and partners, closely with internal product specialists to deliver comprehensive solutions.

ESSENTIAL DUTIES

The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.  In addition, incumbent may be required to rotate between banking centers, as needed.

• Creates a welcoming environment and communicates professionally and effectively with customers, prospects, and internal partners
• Includes all core Universal Banker Essential Duties, with expanded responsibilities focused on business development and portfolio management
• Demonstrates a strong commitment to service excellence while building long-term business relationships
• Proactively prospects for new business relationships through outbound calling, networking, and community engagement
• Conducts in-depth conversations to understand business customers’ operational, cash flow, credit, and growth needs
• Identifies and recommends appropriate business banking solutions, including deposit products, credit cards, merchant services, and treasury solutions
• Manages a portfolio of business relationships, maintaining regular contact and identifying opportunities to deepen and expand relationships
• Actively contributes to branch and individual sales goals through consistent business development and portfolio growth
• Partners with internal bank teams (Commercial Lending, Treasury Management, Merchant Services, Insurance, Investments, etc.) to deliver comprehensive solutions
• Ensures all documentation, disclosures, and regulatory requirements (including BSA and CIP) are completed accurately and in accordance with policy
• Applies strong attention to detail and procedural discipline to ensure compliance and risk mitigation
• Maintains accountability for assigned portfolio performance and follows all internal controls, security, and audit standards
• Supports branch operations and collaboration as needed to maintain service excellence
• Participates in job specific training and other various Bank training programs, as necessary
• Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy
• Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations
• Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML
• Performs other related duties as required and assigned