Business Specialist (SA)

DESCRIPTION 

The Business Banking Specialist is responsible for developing, managing, and expanding relationships with small business customers by delivering tailored financial solutions that support business growth and operational needs. This role focuses on proactive business development, relationship management, and portfolio growth while ensuring all documentation, regulatory, and risk requirements are met. The Business Banking Specialist serves as a trusted advisor to business clients and partners, closely with internal product specialists to deliver comprehensive solutions.

ESSENTIAL DUTIES

The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.  In addition, incumbent may be required to rotate between banking centers, as needed.

• Creates a welcoming environment and communicates professionally and effectively with customers, prospects, and internal partners
• Includes all core Universal Banker Essential Duties, with expanded responsibilities focused on business development and portfolio management
• Demonstrates a strong commitment to service excellence while building long-term business relationships
• Proactively prospects for new business relationships through outbound calling, networking, and community engagement
• Conducts in-depth conversations to understand business customers’ operational, cash flow, credit, and growth needs
• Identifies and recommends appropriate business banking solutions, including deposit products, credit cards, merchant services, and treasury solutions
• Manages a portfolio of business relationships, maintaining regular contact and identifying opportunities to deepen and expand relationships
• Actively contributes to branch and individual sales goals through consistent business development and portfolio growth
• Partners with internal bank teams (Commercial Lending, Treasury Management, Merchant Services, Insurance, Investments, etc.) to deliver comprehensive solutions
• Ensures all documentation, disclosures, and regulatory requirements (including BSA and CIP) are completed accurately and in accordance with policy
• Applies strong attention to detail and procedural discipline to ensure compliance and risk mitigation
• Maintains accountability for assigned portfolio performance and follows all internal controls, security, and audit standards
• Supports branch operations and collaboration as needed to maintain service excellence
• Participates in job specific training and other various Bank training programs, as necessary
• Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy
• Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations
• Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML
• Performs other related duties as required and assigned

• High School Diploma or GED required
• Bachelor’s degree in business, marketing, or related field, preferred
• Minimum 3–4 years of banking experience, including customer-facing service and transaction processing
• Prior teller experience preferred
• Prior experience working with small business customers strongly preferred
• Demonstrated ability to prospect, develop, and manage business relationships
• Strong consultative selling, communication, and negotiation skills
• Ability to analyze business needs and recommend appropriate financial solutions
• Ability to balance sales performance with compliance and risk management
• Proficiency in personal computers and Microsoft Office applications (Word, Excel, Outlook)
• Bilingual in English and Spanish required
• Ability to work flexible hours, including Monday through Friday and a rotating Saturday schedule, as business needs dictate
• Ability to travel within the community to seek new business opportunities

ORGANIZATION

• This position reports to the Banking Center Manager
• This position does not oversee other positions

TRAINING REQUIREMENTS

All employees are required to attend scheduled mandatory training and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federal banking laws and regulations, including internal bank policies and procedures. Failure to adhere to these requirements will be grounds for disciplinary action, including probation and possible termination.

COMMUNITY INVOLVEMENT

Lone Star National Bank’s Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity.  All employees are encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.

LSNB is an Equal Opportunity/Affirmative Action Employer and does not discriminate in the recruitment, hiring, and conditions of employment on the basis of race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, marital status, disability, age, veteran status, or any other status as protected by applicable laws.

Management reserves the right to change this position description at any time according to business needs.