VP, Business Banking

Company: Enterprise Financial Services Corp.
Location: San Diego
Posted on: April 1, 2025

Job Description:

Enterprise Bank & Trust was founded in the spirit of entrepreneurship and community. From the small mom-and-pop coffee shop to the large construction company that employs local people, our goal is to help businesses succeed and our communities thrive.With offices in Arizona, California, Florida, Kansas, Missouri, New Mexico, Nevada and Texas, we're strong, growing and committed to supporting the communities we serve. We extend this commitment to the community to our associates, offering annual paid volunteer time off and charitable-matching opportunities. Voted a Best Bank to Work For by American Banker for multiple years, we offer our associates an array of benefits and the opportunity to chart their own career path with us. Join us in the pursuit of our mission to guide people to a lifetime of financial success, and enjoy a career filled with professional growth opportunities, interesting colleagues and the satisfaction of supporting our communities.Together, there's no stopping you!Job Title: VP, Business BankingJob Description:Summary:Manage and expand an existing loan portfolio of business banking customers while also assisting bank partners with the development of new relationships. Business banking customers are those that generally have revenues under $10,000,000 and loan needs under $1,000,000. It is expected that the role be proactive in providing financial solutions to both existing and prospective clients. Also responsible for developing sound and profitable business relationships, assessing credit and exceeding customer needs and expectations while complying with regulatory requirements.Essential Duties and Responsibilities:

• Manage and service business banking relationships by working closely with customers, focusing on relationship retention.
• Evaluate pertinent financial information and determine whether a credit is an acceptable risk.
• Approve loans within assigned lending authority according to company policies and procedures.
• Recommend credits outside lending authority to the next level in accordance with established procedures.
• Monitor existing loans for delinquencies as well as conformity to terms and conditions.
• Work closely with Branch Managers and lobby staff to cross-sell additional bank products and services.
• Actively participate with and assist senior lending officers on larger, more complex credits.
• Monitor market conditions, observe competitor impact and make recommendations to maintain competitive and profitable product line.
• Develop and maintain comprehensive knowledge of all bank products and services, including loans, cash management, credit cards and deposits to facilitate cross-selling and enhance the client experience.
• Analyze financial statements and related information.
• Frequently represent the bank in the business community; actively develop relationships with business owners, C-level execs, COIs, etc. and build a network of prospective bank customers.
• Monitor the financial health of borrowers/guarantors and analyze financial statements.
• Develop and implement a marketing plan to increase loan referrals from outside referral sources and internal bank partners.
• Perform other duties as required.Qualifications:
  • Must have demonstrated skills in commercial credit underwriting, business development and portfolio management for small-to-mid-sized companies.
  • Must have excellent communication, presentation and tactful interpersonal skills.
  • Superb people skills to work within a team environment and successfully develop and retain client relationships.
  • Proven ability to cross-sell other banking products, including loans, deposits and treasury management.
  • Self-motivated to work independently and take ownership.
  • Effective time management and organizational skills are required.
  • Must be attentive to detail and accurate when analyzing financial statements and presenting a credit package for formal approval.
  • This position requires the use of sound business discretion, good judgment, and excellent problem-solving skills.
  • Strong working knowledge of regulations, compliance standards, market trends and products relating to the banking industry.
  • Superior analytical and decision-making skills based on a thoughtful assessment of risk.
  • Bilingual (English and Spanish preferred).Supervisory Responsibilities:
    • NoneEducation and/or Experience:
      • Bachelor's degree (B.S.) from four-year college or university.
      • Five to seven years related experience and training in Commercial and/or Business Banking.Computer and Software Skills:
        • Microsoft Office
        • Salesforce
        • Google MailCertificates, Licenses and Registrations:
          • NoneCOMPENSATIONSalary Range: $124,586 - $186,879. Amount is based on relevant experience, skills, and competencies.Equal Opportunity Statement:Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources at hr@enterprisebank.com.Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live. We are proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability. All employment offers are contingent upon the applicant successfully completing both drug and background check screenings.
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Keywords: Enterprise Financial Services Corp., San Diego , VP, Business Banking, Accounting, Auditing , San Diego, California