Job Description

Job Title:  Business Banking Officer

Department: Commercial Lending 

Status: Exempt

Salary: $58,500 – $155,000

Who We Are

At Timberline Bank, our people are our most valuable asset. We seek qualified employees who enjoy people, are innovative, and who are eager to learn. We, in return, provide opportunities for personal advancement and professional growth. The driving force behind our dedication to providing a "Better, Faster, Easier. -Always." experience is the Timberline Team. From the moment you enter the building, we greet you as a person, not an account number-our belief in the value of exceeding customers' high expectations is what makes Timberline Bank a bank here for our community. Our commitment has been and always will be to provide high-quality personalized customer service. With the Timberline personal touch, the level of customer support is unparalleled. We want to support you and your financial well-being, whether through your personal or commercial needs. Each customer contributes to the success of our small business. TO US, IT IS PERSONAL.

What We Value

At Timberline Bank, the core of our culture is in the following values. We believe heavily in fulfilling each one of these to the highest degree. Our culture is the foundation of who we are as a team, and as a business.

1. Exceeding Customers’ High Expectations
2. Empowering a Dedicated Team
3. Having Fun While Winning
4. Passionate About our Communities
5. Value Added Resource for our Customers (Trusted Advisor)

Position Summary

Timberline’s Business Banking Officer is responsible for independently managing and growing a portfolio of business banking relationships through consultative relationship management, business development, and sound credit administration. This role demonstrates advanced relationship management capabilities, strong credit acumen, and the ability to deliver customized banking solutions that support customer growth while managing risk appropriately.

Essential Duties and Responsibilities

• Independently manage and grow a portfolio of business banking relationships.
• Develop and execute business development strategies to generate new loan, deposit, and treasury management opportunities. 
• Build and maintain strong referral and center-of-influence networks.
• Analyze financial statements, cash flow, collateral, and business operations to structure sound credit recommendations. 
• Present loan opportunities and relationship strategies clearly and effectively.
• Proactively monitor portfolio performance, identify risk trends, and manage relationship issues appropriately.
• Deliver consultative banking solutions tailored to customer needs and business objectives.
• Collaborate effectively with credit, treasury management, retail, and other internal business partners.
• Assist with coaching and mentoring less experienced team members.
• Maintain strong knowledge of banking products, market conditions, and industry trends.
• Represent the bank professionally within the community and business market.
• All other duties as assigned.

Required Knowledge and Expertise

• Bachelor’s degree in business, finance, accounting, or related field preferred.
• Several years of business banking, commercial lending, or related financial services experience.
• Demonstrated business development and portfolio management success.
• Strong financial analysis and credit structuring skills.
• Ability to independently manage customer relationships and priorities. Preferred Knowledge and Expertise

• Prior banking, sales, or business development experience.
• Experience working with business customers.
• Understanding of commercial lending fundamentals.

Preferred Knowledge and Expertise

• Formal credit training.
• Experience managing moderate-complexity commercial relationships.
• Treasury management and cash management knowledge.

Key Competencies/Skills

• Demonstrates initiative and learning agility. 
• Builds trust-based customer relationships. 
• Exhibits accountability and professionalism. 
• Collaborates effectively with internal partners.
• Demonstrates strong organizational and follow-through skills. 
• Be Thorough: Ensure that work is completed thoroughly and correctly; prepare carefully for meetings and presentations.
• Critical Thinking: Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
• Relationship Building: Ability to effectively build relationships with vendors, management, and staff.
• Achieve Results: Complete tasks on a timely basis and based on an understanding of the priorities.
• Establish and Maintain Personal Credibility: Consistently model behavior that is perceived as responsible, reliable, and ethical.
• Communicate Effectively: Express oneself clearly in interactions with others, both verbally and in writing. Notice, interpret, and anticipate needs and concerns. Ensure that critical information is shared with those who should be kept informed.
• Time Management : Ability to effectively utilize available time for the completion of necessary job tasks.
• Ability to work independently and in a fast-paced team environment.
• Possess strong organizational skills with the ability to multi-task and prioritize work.

**Pursuant to the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules, the salary range above represents the low and high end of the salary range for this position. Actual salaries will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. The range listed is just one component of the total compensation package for employees. Incentives based on Timberline Team goals may also be offered. In addition, Timberline Bank provides a variety of benefits to full time employees, including health insurance coverage, vision insurance, dental insurance, life and disability coverage, 401K plan, paid holidays and paid time off.

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