Job Description

The Commercial Business Development Officer is responsible for identifying, sourcing, and converting high‑quality prospects into new commercial banking clients. The target market consists of companies with annual revenues between $50MM and $800MM. This individual will serve as a frontline growth engine—building relationships, developing a strategic pipeline, and partnering with internal teams to deliver tailored banking solutions.

Key Responsibilities

Prospecting & Lead Generation

• Identify and source potential commercial clients through targeted market research, referrals, COI networks, industry intelligence, and event participation.

• Develop and execute a structured prospecting strategy to build and maintain a high‑quality pipeline of new business opportunities.

• Initiate contact with senior decision‑makers and collaborate with commercial bankers to assemble the right internal team for each opportunity.

• Assist in preparing client presentations, pitch materials, and customized solution proposals.

• Stay current on market trends, competitive dynamics, and industry developments to position the bank as a trusted commercial banking leader.

Relationship Building

• Work collaboratively with Relationship Managers and other internal partners to develop competitive solutions.

• Actively represent the bank at industry, community, and networking events to enhance brand presence and generate new leads.

• Demonstrate a highly sociable, engaging, and adaptable approach that thrives in a fast‑paced and evolving business environment.

Performance Metrics

• Maintain accurate and timely records of prospecting activity, pipeline status, and outcomes within CRM tools.

• Meet or exceed established goals, calling activity expectations, and new business development.

• Success will be measured by the ability to develop qualified leads, close new business, and contribute meaningfully to portfolio growth, and revenue.

Qualifications & Skills

• Proficiency with CRM platforms and prospecting tools.

• Entrepreneurial self‑starter with a disciplined, resilient, and detail‑oriented approach.

• Strong understanding of the commercial banking sales cycle, from lead generation to close.

• Team player and have ability to collaborate internally and externally to win new business

• A genuine willingness to learn continuously—products, services, industry trends—and pursue relevant licensing as needed.

• Excellent verbal and written communication, including strong presentation and negotiation skills.

• Strong listening skills and strong problem‑solving and analytical capabilities.

Requirements

• Minimum 5+ years of successful experience in commercial banking or financial services, sales roles.

• Strong understanding of commercial banking products, and services

• Bachelor’s degree in business, finance, or a related field

• Demonstrated success in developing and maintaining COI relationships.

• Prior experience attending and leveraging networking and industry events.

• Proven ability to collaborate effectively across an organization.

• Completion of formal sales training is a plus.

• Willingness to travel for prospect and COI meetings.

Education

• Bachelor’s degree required

• MBA a plus

Hours & Work Schedule

Hours per Week: 40

Work Schedule: Monday - Friday

Pay Transparency

The salary range for this position is $165,000 - $190,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, relevant skills, and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits