Business Banker

A Business Banker (also sometimes called a Small Business Banker or Business Banking Officer) is focused on serving the banking needs of small to mid-sized businesses—typically companies with annual revenues ranging from a few hundred thousand to around $10–20 million, depending on the bank.

Here’s what a Business Banker typically does:

 1. Client Relationship Management

• Act as the main point of contact for small business clients.

• Build strong, ongoing relationships to understand the client’s business, goals, and financial needs.

• Provide advice and solutions tailored to the business’s stage of growth.

2. Lending & Credit Solutions

• Offer and structure business loans, lines of credit, SBA loans, equipment financing, and more.

• Guide clients through the loan application process and help gather necessary documentation.

• Collaborate with credit analysts or underwriters to get deals approved.

 3. Deposit & Treasury Services

• Help businesses manage their cash flow through checking/savings accounts, merchant services, and treasury management tools.

• Recommend services like remote deposit, ACH payments, or fraud protection.

4. New Business Development

• Prospect and network within the local business community to attract new clients.

• Attend chamber of commerce events, trade shows, and business mixers.

• Follow up on leads from marketing campaigns or branch referrals.

5. Compliance & Risk Awareness

• Ensure accounts and loans comply with internal bank policies and regulations.

• Monitor accounts for suspicious or high-risk activity.

What Makes a Good Business Banker?

• Consultative approach – they don’t just sell products; they solve problems.

• Strong financial understanding – can analyze business financials and cash flow.

• Sales skills – able to grow their portfolio and meet revenue goals.

• Community involvement – visible and trusted in the local business scene.