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Regular or Temporary:

Regular

Language Fluency: English (Required)

Work Shift:

1st shift (United States of America)Please review the following job description:These roles are required to work in office at the location listed on the requisition.
The Small Business Development Officer (SBDO) is responsible for acquiring, managing, and growing relationships with upper-segment Small Business clients, often between $5 and $10 million ASR or with more complex Small Business needs. The role serves as the primary relationship manager for companies approaching or entering the Business Banking segment, providing consultative advice and delivering integrated financial solutions across lending, deposits, treasury management, payments, premier and wealth.
Act as one of the market's subject matter experts for Small Business and emerging Business Banking opportunities, providing leadership, visibility, and accountability for client acquisition, portfolio growth, client retention, and execution of Truist's One Team approach. Collaborate with Market Presidents, Regional Presidents, and branch leadership to identify market opportunities, remove barriers to growth, and deliver a seamless client experience across all coverage channels.
The SBDO is expected to build deep client relationships, identify growth opportunities, facilitate client migration to appropriate coverage models, and partner across Truist to deliver a seamless client experience. The role combines business development, portfolio management, risk management, and relationship leadership while serving as a trusted advisor to business owners and executives throughout the business lifecycle.

Essential Duties and Responsibilities

Business Development
Prospect and acquire new client relationships within the Small Business and Emerging Business Banking segments.
Develop Centers of Influence (COI) relationships with attorneys, accountants, consultants, and community leaders.
Generate new lending, deposit, treasury management, merchant services, and payment opportunities.
Build referral partnerships across Truist lines of business.
Develop and execute calling plans to deepen existing client relationships and acquire new clients.
Relationship Management
Serve as the primary relationship manager for assigned clients.
Develop comprehensive understanding of client objectives, financial position, ownership structure, and future growth plans.
Deliver advisory conversations focused on capital formation, liquidity, risk management, payments optimization, succession planning, and wealth creation.
Maintain strong client satisfaction and retention through proactive relationship management.
Coordinate client introductions and handoffs across Commercial Banking, Wealth, and Treasury Solutions.

Credit and Lending
Identify, structure, and manage commercial lending opportunities.
Conduct financial analysis and credit assessment to evaluate borrower capacity and creditworthiness.
Recommend lending solutions consistent with Truist credit policies and risk appetite.
Partner with underwriting and credit teammates to ensure timely delivery of financing solutions.
Maintain strong portfolio quality while balancing growth objectives.

Integrated Financial Solutions
Deliver comprehensive banking solutions including:
o Commercial lending
o Deposits
o Treasury management
o Merchant services
o Commercial card solutions
o Foreign exchange
o Wealth management
Partner with specialists to address complex client needs and provide holistic financial solutions.

Portfolio Management
Manage a portfolio of Small Business and Emerging Business Banking relationships.
Monitor portfolio performance, profitability, risk trends, and client activity.
Identify expansion opportunities through relationship deepening and cross-sell execution.
Drive portfolio revenue growth while maintaining strong credit quality.

Risk Management and Compliance
Adhere to all Truist credit, operational, regulatory, and compliance requirements.
Exercise sound judgment in evaluating risk and recommending client solutions.
Maintain appropriate documentation and portfolio reviews.
Monitor client relationships for emerging risk indicators.
Ensure compliance with all applicable policies and procedures.

Performance Expectations
The Small Business Development Officer will be expected to achieve goals across:
Production
Loan Production
Deposit Production
Treasury and Payments Revenue
Wealth Referrals
Insurance Referrals
New Business Revenue
Relationship Growth
New Client Acquisition
New Relationship Acquisition
Portfolio Revenue Growth
Cross-Product Penetration
Client Retention
Risk and Operational Excellence
Credit Quality
Past Due Performance
Compliance Adherence
Portfolio Reviews
Risk Management Standards

Required Qualifications
Bachelor's degree in business, Finance, Economics, Accounting, or related field, or equivalent experience.
5+ years of business banking, commercial banking, treasury management, lending, or financial services experience.
Strong business development and relationship management skills.
Knowledge of commercial credit principles and financial statement analysis.
Demonstrated success meeting sales and production goals.
Strong verbal and written communication skills.
Ability to collaborate effectively across a matrixed organization.
Proficiency with CRM and sales management systems.

Preferred Qualifications
Formal credit training.
Treasury Management sales experience.
Experience serving clients with annual revenues of $5MM-$10MM.
Advanced business, finance, or banking education.
Strong understanding of wealth, insurance, and capital markets solutions.

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.

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