Business Banking Officer

Essential Duties/Responsibilities

• Manages and grows a portfolio of business member relationships through proactive outreach, consultative sales, and ongoing relationship management to increase deposits, treasury services utilization, lending opportunities, and overall member engagement.
• Identifies and acquires new business members through prospecting, networking, community involvement, referral development, and partnership with branch and internal teams.
• Conducts discovery conversations with prospective and existing business members to assess financial needs and recommend tailored solutions including business deposit accounts, cash management, merchant services, treasury solutions, and business lending products.
• Serves as the primary point of contact for business banking relationships, delivering a high-touch member experience from onboarding through ongoing service, relationship reviews, and retention efforts.
• Achieves established production and portfolio goals for business deposits, fee income, treasury management services, merchant services, business lending referrals and/or originations, and other business banking solutions.
• Partners with credit and lending teams to support business loan opportunities by gathering documentation, facilitating application and underwriting processes, coordinating communication, and supporting renewals, annual reviews, and ongoing servicing activities.
• Opens and services business accounts, ensuring accurate documentation, entity verification, beneficial ownership review, and compliance with all regulatory requirements, internal policies, and operational procedures.
• Builds and maintains strong partnerships with branch leadership, retail teams, treasury partners, operations, and other internal stakeholders to generate referrals, coordinate solutions, and deliver a seamless member experience.
• Maintains an active pipeline, monitors portfolio performance, prepares relationship reviews, and tracks business development activity to support production goals and business banking growth.
• Contributes to the ongoing enhancement of business banking products, processes, technology, and vendor relationships by identifying opportunities to improve efficiency, service delivery, and member experience.
• Represents the Credit Union in the community and with external centers of influence to strengthen brand presence, support business development efforts, and cultivate new relationship opportunities.
• Ensures compliance with all applicable laws, regulations, credit union policies, and risk management practices by maintaining accurate records, adhering to internal controls, and supporting audits, examinations, and compliance reviews.

Qualifications

• Bachelor’s degree in business, finance, accounting, or a related field preferred; equivalent combination of education and relevant experience may be considered.
• 7–10 years of experience in business banking, small business banking, commercial banking, relationship management, or a closely related financial services role.
• 3–5 years of experience supporting and/or originating small business lending relationships.
• Demonstrated success in business development, portfolio growth, and relationship management within a banking or credit union environment.
• Strong understanding of business banking products and services, including business deposit products, treasury management, merchant services, and business lending solutions.
• Working knowledge of business entities and ownership structures, including sole proprietorships, partnerships, LLCs, and corporations.
• Understanding of BSA/AML, CIP, beneficial ownership, and other regulatory requirements applicable to business accounts and business banking relationships.
• Strong financial acumen with the ability to understand business needs, review documentation, and recommend appropriate financial solutions.
• Excellent communication, presentation, and interpersonal skills, with the ability to build credibility and influence with business members, partners, and internal stakeholders.
• Proficiency with core banking systems, CRM or pipeline management tools, and standard office software.
• Ability to manage multiple priorities, maintain strong attention to detail, and operate effectively in a production- and relationship-driven environment.

Key Behaviors for Success

• Builds trust-based business relationships by serving as a consultative partner, understanding member needs, and delivering solutions that support long-term growth and loyalty.
• Demonstrates strong business development capability by proactively prospecting, cultivating referral sources, identifying opportunities, and advancing a healthy sales pipeline.
• Balances growth and service by delivering an exceptional member experience while achieving production goals and deepening existing relationships.
• Maintains strong risk and compliance discipline by following regulatory requirements, internal controls, and organizational policies in all business banking activities.
• Communicates with confidence and professionalism in both written and verbal settings, adapting effectively to business owners, internal partners, and leadership audiences.
• Collaborates effectively across teams, leveraging internal partnerships to deliver seamless solutions, resolve issues, and support business banking growth.
• Demonstrates strong organization, follow-through, and accountability by managing multiple relationships, priorities, and deadlines in a fast-paced environment.

Statement of Understanding

This job description is intended to provide a general overview of the essential duties, responsibilities, requirements, and working conditions associated with the position. It is not intended to be an exhaustive or comprehensive list of all tasks or responsibilities.  The organization may assign additional duties or modify existing ones as needed, at its discretion. Job descriptions may be updated periodically to reflect business needs and organizational changes.

Reasonable accommodations may be made in accordance with the Americans with Disabilities Act (ADA) and other applicable laws, so long as such accommodations do not pose undue hardship to the organization or create significant health or safety risks.

Nothing in this job description should be construed as creating an employment contract, either expressed or implied. Employment remains at-will, meaning that either the team member or the organization may end the employment relationship at any time, for any reason not prohibited by law.

Equal Employment Opportunity (EEO)

Georgia United is committed to providing equal employment opportunities and fostering a workplace where all individuals have the chance to succeed. We consider all qualified applicants for employment and advancement without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. We value the unique perspectives and contributions that each team member brings to our organization, believing that a diverse and inclusive workforce strengthens our credit union.

E-Verify

Georgia United participates in the U.S. Department of Homeland Security’s E-Verify program. E-Verify is an online system used to confirm the eligibility of employees to work in the United States. This process involves electronically verifying the information provided by new hires against records maintained by the Department of Homeland Security and the Social Security Administration.