The Business Banking Officer (BBO) serves as a dedicated partner to branch teams and business members, managing moderate-complexity lending, treasury management, and account servicing needs that fall between retail branch capabilities and the scope of a Business Relationship Manager (BRM). Working as the connective tissue between the branch network and senior Business/SBA and C&I lenders, the BBO handles loans and lines of credit up to $500,000, supports Treasury Management product adoption, and executes on new business member acquisition — ensuring every business referral is met with responsive, consultative service.
This role is a growth accelerator for Desert Financial's business banking franchise. By capturing and converting branch-generated referrals, deepening existing relationships through treasury solutions, and proactively sourcing new business members, the BBO drives non-interest income, expands the business portfolio, and frees senior lenders to focus on larger, more complex transactions. The BBO operates with strong credit judgment, regulatory awareness, and a relentless focus on member experience, serving as a trusted advisor to branch leaders, a mentor on business banking fundamentals, and a reliable hand-off point for opportunities that warrant escalation to senior lending staff.
What you will do here:
Business Lending & Loan Origination
* Manage business loan and line of credit requests up to $500,000, from initial discovery through submission into the Loan Origination System (LOS) and closing support.
* Collect and review borrower documentation, including business and personal financial statements, tax returns, entity documents, and collateral information.
* Partner with Credit Analysts and Underwriters to build credit packages, structure deals appropriately, and advance decisions through committee as required.
* Support closing preparation in coordination with loan operations, documentation teams, and external parties (title, escrow, attorneys, accountants).
* Ensure all lending activity complies with DFCU credit policy, NCUA regulations, ECOA, Regulation B, and other applicable lending regulations.
Treasury Management Support
* Consult with business members on Treasury Management solutions including ACH origination, remote deposit capture, positive pay, wires, merchant services, and commercial online banking.
* Assist with product selection, application completion, implementation handoffs, and post-onboarding servicing in partnership with Treasury Management specialists.
* Identify cross-sell opportunities during lending, account opening, and relationship review conversations to deepen member wallet share and grow non-interest income.
* Coordinate with Treasury Management Sales Officers and Associates on complex implementations or higher-tier solution sets.
New Business Development & Prospecting
* Proactively source new business members through networking, community involvement, center-of-influence (COI) relationships, and local market outreach.
* Partner with branch leadership to identify small business prospects within existing retail membership and convert them into full business banking relationships.
* Represent Desert Financial at chamber events, trade associations, and community business functions to build pipeline and strengthen brand presence.
* Maintain activity, pipeline, and referral records in Salesforce, DFCU's internal CRM, to support visibility and performance reporting.
Business Account Support & Servicing
* Support new business account setups, including entity verification, beneficial ownership collection, and documentation review in accordance with KYC, CIP, and BSA/AML requirements.
* Assist with ongoing servicing needs including signer changes, account maintenance, and resolution of operational inquiries escalated from branches.
* Ensure account structures align with member needs and DFCU operational standards, partnering with Deposit Operations on non-standard requests.
Branch Partnership, Coaching & Escalation
* Serve as the primary liaison between branch teams and senior SBA/C&I lenders, ensuring referrals are routed, qualified, and responded to promptly.
* Partner with other support lines of business (e.g. Wealth Management, Wills and Trust, Insurance, Mortgage, CRE, Indirect Lending etc...)
* Provide high-level coaching and training to branch personnel on business banking fundamentals, referral identification, and Treasury
* Lead or participate in branch morning meetings to share business banking updates, celebrate wins, and reinforce referral behaviors.
* Appropriately escape loan requests above $500,000, complex credit structures, or relationships requiring deeper C&I/SBA expertise to Business Relationship Managers and senior lenders with a clean, well-documented handoff.
What you will need:
* Bachelor's degree in Business, Finance, Accounting or a related field; or equivalent combination of education and experience required.
* Formal banking or credit training programs (e.g., commercial lending school, credit analyst training) are a plus preferred.
* 3+ years of experience in business banking, commercial banking, or a closely related financial services role required.
* 3+ years of demonstrated experience in one or more of the following: business lending support, Treasury Management services, business account management, or Relationship Manager support required.
* Credit union or community bank experience strongly preferred; exposure to small business and C&I lending is ideal preferred.
* Strong understanding of business lending fundamentals, including loan structuring, credit policy, and documentation requirements required.
* Proven track record of managing referrals, meeting production goals, and delivering consultative service to business members or clients required.
* Working knowledge of Treasury Management products and their application to small and mid-sized businesses required.
* Familiarity with business account structures (sole proprietorship, LLC, S-Corp, C-Corp, partnerships), beneficial ownership requirements, and KYC/CIP/BSA-AML standards required.
* Credit analysis skills, including the ability to interpret business and personal financial statements, tax returns, and cash flow analyses required.
* Regulatory awareness across NCUA guidance, ECOA/Regulation B, Regulation O, BSA/AML, and fair lending principles required.
* Consultative sales skills with the ability to identify needs, recommend solutions, and close business required.
* Proficiency with Loan Origination Systems (LOS), CRM platforms (Salesforce or equivalent), and core banking systems required.
* Strong verbal and written communication skills; able to present complex financial concepts to business members at varying levels of sophistication required.
* Ability to prioritize and manage multiple workstreams, pipelines, and stakeholder relationships simultaneously required.
* Formal commercial or business lending training (e.g., RMA, ABA School of Commercial Lending) preferred.
* Certified Treasury Professional (CTP) or equivalent Treasury Management credential preferred.
* Credit Analyst certification or equivalent formal credit training preferred.
* Valid driver's license (for local business development and member visits) required.
We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.
For additional information about our organization, careers, and benefits visit: #J-18808-Ljbffr
This role is a growth accelerator for Desert Financial's business banking franchise. By capturing and converting branch-generated referrals, deepening existing relationships through treasury solutions, and proactively sourcing new business members, the BBO drives non-interest income, expands the business portfolio, and frees senior lenders to focus on larger, more complex transactions. The BBO operates with strong credit judgment, regulatory awareness, and a relentless focus on member experience, serving as a trusted advisor to branch leaders, a mentor on business banking fundamentals, and a reliable hand-off point for opportunities that warrant escalation to senior lending staff.
What you will do here:
Business Lending & Loan Origination
* Manage business loan and line of credit requests up to $500,000, from initial discovery through submission into the Loan Origination System (LOS) and closing support.
* Collect and review borrower documentation, including business and personal financial statements, tax returns, entity documents, and collateral information.
* Partner with Credit Analysts and Underwriters to build credit packages, structure deals appropriately, and advance decisions through committee as required.
* Support closing preparation in coordination with loan operations, documentation teams, and external parties (title, escrow, attorneys, accountants).
* Ensure all lending activity complies with DFCU credit policy, NCUA regulations, ECOA, Regulation B, and other applicable lending regulations.
Treasury Management Support
* Consult with business members on Treasury Management solutions including ACH origination, remote deposit capture, positive pay, wires, merchant services, and commercial online banking.
* Assist with product selection, application completion, implementation handoffs, and post-onboarding servicing in partnership with Treasury Management specialists.
* Identify cross-sell opportunities during lending, account opening, and relationship review conversations to deepen member wallet share and grow non-interest income.
* Coordinate with Treasury Management Sales Officers and Associates on complex implementations or higher-tier solution sets.
New Business Development & Prospecting
* Proactively source new business members through networking, community involvement, center-of-influence (COI) relationships, and local market outreach.
* Partner with branch leadership to identify small business prospects within existing retail membership and convert them into full business banking relationships.
* Represent Desert Financial at chamber events, trade associations, and community business functions to build pipeline and strengthen brand presence.
* Maintain activity, pipeline, and referral records in Salesforce, DFCU's internal CRM, to support visibility and performance reporting.
Business Account Support & Servicing
* Support new business account setups, including entity verification, beneficial ownership collection, and documentation review in accordance with KYC, CIP, and BSA/AML requirements.
* Assist with ongoing servicing needs including signer changes, account maintenance, and resolution of operational inquiries escalated from branches.
* Ensure account structures align with member needs and DFCU operational standards, partnering with Deposit Operations on non-standard requests.
Branch Partnership, Coaching & Escalation
* Serve as the primary liaison between branch teams and senior SBA/C&I lenders, ensuring referrals are routed, qualified, and responded to promptly.
* Partner with other support lines of business (e.g. Wealth Management, Wills and Trust, Insurance, Mortgage, CRE, Indirect Lending etc...)
* Provide high-level coaching and training to branch personnel on business banking fundamentals, referral identification, and Treasury
* Lead or participate in branch morning meetings to share business banking updates, celebrate wins, and reinforce referral behaviors.
* Appropriately escape loan requests above $500,000, complex credit structures, or relationships requiring deeper C&I/SBA expertise to Business Relationship Managers and senior lenders with a clean, well-documented handoff.
What you will need:
* Bachelor's degree in Business, Finance, Accounting or a related field; or equivalent combination of education and experience required.
* Formal banking or credit training programs (e.g., commercial lending school, credit analyst training) are a plus preferred.
* 3+ years of experience in business banking, commercial banking, or a closely related financial services role required.
* 3+ years of demonstrated experience in one or more of the following: business lending support, Treasury Management services, business account management, or Relationship Manager support required.
* Credit union or community bank experience strongly preferred; exposure to small business and C&I lending is ideal preferred.
* Strong understanding of business lending fundamentals, including loan structuring, credit policy, and documentation requirements required.
* Proven track record of managing referrals, meeting production goals, and delivering consultative service to business members or clients required.
* Working knowledge of Treasury Management products and their application to small and mid-sized businesses required.
* Familiarity with business account structures (sole proprietorship, LLC, S-Corp, C-Corp, partnerships), beneficial ownership requirements, and KYC/CIP/BSA-AML standards required.
* Credit analysis skills, including the ability to interpret business and personal financial statements, tax returns, and cash flow analyses required.
* Regulatory awareness across NCUA guidance, ECOA/Regulation B, Regulation O, BSA/AML, and fair lending principles required.
* Consultative sales skills with the ability to identify needs, recommend solutions, and close business required.
* Proficiency with Loan Origination Systems (LOS), CRM platforms (Salesforce or equivalent), and core banking systems required.
* Strong verbal and written communication skills; able to present complex financial concepts to business members at varying levels of sophistication required.
* Ability to prioritize and manage multiple workstreams, pipelines, and stakeholder relationships simultaneously required.
* Formal commercial or business lending training (e.g., RMA, ABA School of Commercial Lending) preferred.
* Certified Treasury Professional (CTP) or equivalent Treasury Management credential preferred.
* Credit Analyst certification or equivalent formal credit training preferred.
* Valid driver's license (for local business development and member visits) required.
We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.
For additional information about our organization, careers, and benefits visit: #J-18808-Ljbffr
Business Banking Officer in phoenix at Unknown Company
This position is listed as full time and able to be worked remotely.