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Become A Business Banker

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Working As A Business Banker

  • Selling or Influencing Others
  • Communicating with Persons Outside Organization
  • Establishing and Maintaining Interpersonal Relationships
  • Getting Information
  • Analyzing Data or Information
  • Deal with People

  • Mostly Sitting

  • Stressful

  • $76,725

    Average Salary

What Does A Business Banker Do At Flushing Bank

* Grow Assets and liabilities via new business acquisitions.
* Conduct place of business calls to new and existing customers of the Bank.
* Cross-sell cash Management and loan products to existing business customers to increase retention and profitability of relationship.
* Develop COI’s (center of influence) to increase referral sources.
* Serve as primary contact person on all new depository/credit relationships, working closely with branch manager and credit relationship manager.
* Active participation in community events and business associations

What Does A Business Banker Do At Capital One

* Develops and maintains the company's relationships with contacts/customers to maintain and expand business.
* Maintains a regular calling program on customers and prospects in order to generate high quality new deposit and loan business from existing clients in order to achieve or exceed specific production goals.
* Meets with existing customers and prospects through personal calling efforts and other contacts to discuss business needs and recommend ways in which the bank can help provide business solutions to all of their financial needs.
* Assists in planning the portfolio growth through the development of a business plan in alignment with departmental budget and consistent with overall Bank asset/liability management objectives.
* Responsible for expanding their prospect and COI base by consistently networking in the community.
* Responsible for the sale and administration of all banking services to include deposits, loans, investments, trust, etc. to businesses and/or individuals within the assigned region.
* Coordinates with various divisions and departments (Trust, Branches, Operations, etc.) in the servicing of routine transactions and in solving the special customers.
* Maintains up-to-date knowledge of competitors products and pricing in the market served.
* Responsible for the proper pre-qualification, structuring, pricing, and exception-free closing on all loans in his/her assigned area.
* Reviews demand deposit profitability analysis and outlines strategies to bring unprofitable accounts back to profitable status.
* Evaluates risk and compensating demand deposit balances of each loan in order to properly price loan to meet profitability standards.
* Works with borrowing customers to procure updated financial information on an ongoing basis.
* Communicates lending decisions to customer.
* Follows up on loan exceptions to insure timely clearing.
* Controls volume of exceptions.
* Serves as a representative in various civic and community functions to further enhance its image and develop additional business

What Does A Business Banker Do At Bankunited, N.A.

* include the following.
* Other duties and special projects may be assigned.
* Originates and grows a portfolio of business (credit and depository) relationships to achieve stated individual goals via: a) full adoption and implementation of BankUnited's direct origination structured sales process, b) active participation in the BankUnited Alliance initiative, c) utilization of Centers of Influence and Networking Sources (COINS), d) community involvement, and e) exemplary "BRIDGES" service ensuring client retention and expansion.
* Develops intimate knowledge of assigned geographic territory to identify, research, maintain and work a list of "top 25" prospective clients for the target segment (and COINS) for each assigned branch geography.
* Manages a portfolio of inherited and originated credit and depository relationships, with a focus on: a) exceptional client service, and b) proactive portfolio management / credit quality through the Structured Credit Process.
* Demonstrates proficiency in initiating the client credit application process through high-impact prospect calls, prompt & complete financial data collection from prospective clients, pre-screening credit opportunities with Sales Team Manager and Credit Administration via accurate completion of Business Banker Memo and Global Cash Flow.
* Delivers credit and non-credit product proposals, prepares for same with pre-call planning and joint calling techniques, takes a needs-dialogue approach to delivering client solutions, demonstrates independent ability to overcome objections & problem solve, and convert incremental business opportunities to BankUnited.
* Works closely with Portfolio Manager to ensure financial reporting requirements are obtained and reviewed in a timely manner, early problem identification is taking place, quarterly portfolio reviews are conducted on sampled credit relationships, loans with deteriorating credit trends are identified early and escalated to management and credit administration.
* Business Banker I, II or III Job Description Page 2 of 4
* Possesses proficient knowledge of BankUnited credit policy, as well as credit and non-credit products the organization offers to prospective and existing clients.
* Achieves client and prospective client calling objectives.
* Utilizes bank contact management system to retain prospective client names and records, as well as standard bank templates (such as term sheet template).
* Attends and actively participates in regularly scheduled division meetings and on-going training.
* Collaborates with internal business partners to ensure full "cross-sale" penetration of client relationship.
* Works in corroboration with teammates and bank partners to escalate their level of performance within the organization

What Does A Business Banker Do At Bank of America

* Role primarily provides support for Market Executive and the broader team.
* Coordinates internal/external meetings and conference calls
* Handles a high volume of calls, emails and requests; interacts with high level business leaders in a professional and effective manner
* Maintains detailed calendars and prioritizes meeting requests and related logistics.
* Coordinates travel arrangements and processes expense reports in a timely manner according to policy
* Responsible for general administrative duties, ad-hoc projects, committees and or group events
* Maintains an understanding of our policies and procedures, serving as a resource and subject matter expert for the team
* Stays current on a variety of software programs while consistently striving to develop and advance skills

What Does A Business Banker Do At Dollar Bank FSB

* Responsible for the preparation of quality, detailed financial analysis including cash flow models and collateral evaluations in order to identify potential credit risks.
* Make recommendations in accordance with sound banking practices in order to minimize risk exposure.
* Ensure commercial loan requests adhere to bank policies and procedures.
* Complete collateral analysis to verity it will support the loan / lease request.
* Review all credit information and financial statement spreads.
* Prepare approval worksheets and/or credit proposals and obtain required signatures for approval.
* Communicates and properly documents credit decisions.
* Be knowledgeable on all Banking Regulations such as Reg B, Reg Z, Reg O, Appraisal Guidelines, SBA, etc.
* Assists on special assignments and projects

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How To Become A Business Banker

A bachelor’s degree is required for entry-level jobs, and a master’s degree in business administration (MBA) is useful for advancement.


Securities, commodities, and financial services sales agents generally must have a bachelor’s degree to get an entry-level job. Studies in business, finance, accounting, or economics are important, especially for larger firms. Many firms hire summer interns before their last year of college, and those who are most successful are offered full-time jobs after they graduate.

Numerous agents eventually get a master’s degree in business administration (MBA), which is often a requirement for high-level positions in the securities industry. Because the MBA exposes students to real-world business practices, it can be a major asset for jobseekers. Employers often reward MBA holders with higher level positions, better compensation, and large signing bonuses.


Most employers provide intensive on-the-job training, teaching employees the specifics of the job, such as the products and services offered. Trainees in large firms may receive technical instruction in securities analysis and selling strategies. Firms often rotate their trainees among various departments to give them a broad understanding of the securities business.

Securities, commodities, and financial services sales agents must keep up with new products and services and other developments. They attend conferences and training seminars regularly.

Licenses, Certifications, and Registrations

Brokers and investment bankers must register as representatives of their firm with the Financial Industry Regulatory Authority (FINRA). To obtain the license, potential agents must pass a series of exams.

Many other licenses are available, each of which gives the holder the right to sell different investment products and services. Traders and some other sales representatives also need licenses, although these vary by firm and specialization. Financial services sales agents may need to be licensed, especially if they sell securities or insurance. Most firms offer training to help their employees pass the licensing exams.

Agents who are registered with FINRA must attend continuing education classes to keep their licenses. Courses consist of computer-based training on legal requirements or new financial products or services.

Although not always required, certification enhances professional standing and is recommended by employers. Brokers, investment bankers, and financial services sales agents can earn the Chartered Financial Analyst (CFA) certification, sponsored by the CFA Institute. To qualify for this certification, applicants need a bachelor’s degree or 4 years of related work experience and must pass three exams, which require several hundred hours of independent study. Applicants also must have an international passport. Exams cover subjects in accounting, economics, securities analysis, financial markets and instruments, corporate finance, asset valuation, and portfolio management. Applicants can take the exams while they are getting the required work experience.


Securities, commodities, and financial services sales agents usually advance to senior positions in a firm by accumulating a greater number of accounts. Although beginners often service the accounts of individual investors, they may eventually service large institutional accounts, such as those of banks and retirement funds.

After taking a series of tests, some brokers become portfolio managers and have greater authority to make investment decisions regarding an account. For more information on portfolio managers, see the profile on financial analysts.

Some experienced sales agents become branch office managers and supervise other sales agents while continuing to provide services for their own clients. A few agents advance to top management positions or become partners in their firms.

Many investment banks use an “up or out” policy, in which entry-level investment bankers are either promoted or terminated after 2 or 3 years. Investment banks use this policy to ensure that entry-level positions are not occupied long term, allowing the bank to bring in new workers.

Important Qualities

Analytical skills. To judge the profitability of potential deals, securities, commodities, and financial services sales agents must have strong analytical skills. This includes computer programming skills which they use to analyze financial products. 

Customer-service skills. Securities, commodities, and financial services sales agents must be persuasive and make clients feel comfortable with the agent’s recommendations.

Decisionmaking skills. Investment banking traders must make split-second decisions, with large sums of money at stake.

Detail oriented. Investment bankers must pay close attention to the details of initial public offerings and mergers and acquisitions because small changes can have large consequences.

Initiative. Securities, commodities, and financial services sales agents must create their own client base by making “cold” sales calls to people to whom they have not been referred and to people not expecting the call.

Math skills. Securities, commodities, and financial services sales agents need to be familiar with mathematical tools, including investment formulas.

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Business Banker jobs

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Business Banker Career Paths

Business Banker
Vice President And Manager Chief Executive Officer Specialist
Account Manager
5 Yearsyrs
Business Development Officer Sales Manager Personal Banker
Banking Center Manager
5 Yearsyrs
Commercial Loan Officer Assistant Vice President Office Manager
Branch Manager
6 Yearsyrs
Business Relationship Manager
9 Yearsyrs
Business Developer Real Estate Agent Personal Banker
Finance Center Manager
6 Yearsyrs
Relationship Manager Operations Manager
General Manager
7 Yearsyrs
Office Manager General Manager Account Manager
Major Account Manager
7 Yearsyrs
Vice President And Manager Finance Advisor Assistant Vice President
Manager, Assistant Vice President
7 Yearsyrs
Finance Advisor Account Manager
National Account Manager
8 Yearsyrs
Vice President, Business Development President Of Operations Sales/Marketing
National Sales Manager
10 Yearsyrs
Vice President, Business Development Senior Consultant Product Manager
Regional Sales Manager
9 Yearsyrs
Business Relationship Manager Vice President And Manager Finance Advisor
Relationship Manager
6 Yearsyrs
Commercial Loan Officer Vice President And Manager Director Of Sales
Sales Vice President
9 Yearsyrs
Manager, Assistant Vice President Finance Advisor Relationship Manager
Senior Relationship Manager
10 Yearsyrs
Banker Branch Manager Account Executive
Senior Sales Executive
9 Yearsyrs
Office Manager Account Manager Sales Manager
Senior Sales Manager
7 Yearsyrs
Finance Advisor Finance Analyst Account Manager
Strategic Accounts Manager
9 Yearsyrs
Banker Assistant Branch Manager Account Manager
Territory Account Manager
8 Yearsyrs
Business Developer Business Manager Regional Sales Manager
Vice President & Sales Manager
9 Yearsyrs
Relationship Manager Assistant Vice President
Vice President And Manager
10 Yearsyrs
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Business Banker Demographics


  • Male

  • Female

  • Unknown



  • White

  • Hispanic or Latino

  • Asian

  • Unknown

  • Black or African American

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Languages Spoken

  • Spanish

  • French

  • Mandarin

  • Chinese

  • Russian

  • German

  • Italian

  • Japanese

  • Arabic

  • Hindi

  • Vietnamese

  • Dari

  • Cantonese

  • Portuguese

  • Polish

  • Turkish

  • Gujarati

  • Korean

  • Ukrainian

  • Bosnian

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Top Skills for A Business Banker


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Top Business Banker Skills

  1. Business Products
  2. Financial Needs
  3. Loan Portfolio
You can check out examples of real life uses of top skills on resumes here:
  • Provided financial solutions by fluently discussing and selling National City's small business products and services.
  • Deliver comprehensive and customized business solutions tailored to the financial needs and circumstances of business clients.
  • Monitored a business loan portfolio servicing business clients with annual sales revenues of $2 - $25 million.
  • Conducted outbound calls to business customers and prospects to service existing small business customers.
  • Formed new relationships and developed existing relationships with large corporate and small business clients.

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Discussion with Business Banker