7,141 Small Business jobs in the United States

Overview:

Serves small businesses with annual revenues up to $5 million providing comprehensive financial solutions to our clients. Responsible for meeting the needs and expectations of customers by servicing, promoting and selling the Bank's products and services, increasing deposits and fee income, reducing expenses, maintaining and expanding superior client relations, and consistently meeting or exceeding assigned individual or team sales goals. Services all customer account needs. Coordinates with the Market Manager in preparing required reports and performs other functions as required for the sound operations of the bank. Cross trained in all paying, receiving and collection functions including cash handling. Accurately processes transactions, adheres to strict security measures balancing procedures. May provide loan support functions in certain offices.

Principal Duties & Responsibilities:

• Consistently meets and exceeds individual and/or team sales goals, including but not limited to deposit, loans and other, as applicable.

• Proactively seek ways to develop and expand client relationships in order to contribute towards the Bank’s success.

• Develops and maintains a prospect list of potential customers. Participates in networking, outside sales efforts and cold calling as appropriate.

• Acts as the face of the Bank in the community and takes appropriate leadership roles as available.

• Responsible for growing the profitability of the small business client base.

• Develops deposit and loan relationships.

• Prospects and acquires new priority small businesses.

• Retains and deepens existing relationships.

• Responsible for new acquisition activities.

• Analyzes client’s financial conditions and recommends financial solutions to best meet client’s business and personal needs.

• Well versed in all Bank products and services to ensure relationship building opportunities and maintains strong relationships with current clients.

• Identifies client needs and will coordinate/refer to other lines of business as needed including meeting referral goal expectations.

• Opens and processes all types of accounts, products and/or services for clients after consulting with them on their specific needs.

• Makes overdraft decisions on a daily basis, pay/return decisions using independent judgment within authority limits.

• Handles general client inquiries. Reconciles client statements, confers with operations personnel regarding discrepancies in balances and other problems and works toward the proper maintenance of the account files.

• Services all customer account needs: accepts deposits, cashes checks within limits as specified by bank policy, processes withdrawals, sell travelers checks, and cashier checks. Accepts loan payments, etc.

• Works closely with all lines of business and other departments to deliver an integrated and seamless experience for clients.

• Maintains strong product knowledge and knowledge of the marketplace. Works with other bank employees on the approval of transactions necessary for the efficient operation of the bank.

• Keeps abreast of changing business trends that impact the Personal and Business Banking area and translates those rends into business opportunities.

• Ensures compliance with the Bank’s operational and security policies and procedures so as to ensure that maximum accounting integrity and security prevails at all times.

• Completes all necessary G/L tickets and balances accurately.

• Ensures that reports required by Senior Management are accurate and completed on time.

• Responsible for opening and closing the banking center.

• In conjunction with Lending staff or within own scope of authority interviews prospective loan applicants. Collects all pertinent customer supplied documents to support the credit decision process

• Assists the underwriting officer or Bank Manager in obtaining complete information on the loan request and communicates with customer as needed. Based on the type of loan, may close the loan ensuring compliance with all credit regulations.

Operational Risk:

• Maintains compliance with Federal and State regulations as well as bank policies and procedures.
• Ensure compliance and completion of necessary compliance related training.
• Impact the operational and risk activities and related results for this role within the Banking Center.
• Adhere to all Banking Center Risk Assessment and Compliance Standards (this includes Global Radar).
• Control and mitigate losses by following policies and procedures.
• Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

Qualifications:

• 5-7 years of recent banking experience as a Small Business Banker or higher.
• 2-4 years strong credit experience required, including demonstrated responsibility for loan structuring and credit analysis.

• Demonstrated ability to source new Sales Relationships.

• Demonstrated interest in coaching/mentoring other Small Business Bankers (SBBs).

• Leading calling session with other SBBs (role modeling).

• Interest in further developing leadership skills.

• Ability to cross-sell: TM, Mortgages, AUM.

• Excellent verbal and written communication skills.

Education:

• Bachelors degree in Business or Finance required.
• An equivalent combination of education and relevant professional experience may be considered in lieu of a degree.

Special information to candidates:

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCPhere.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at or by e-mail at .

The salary range for this job posting is $55,132.00 - $110,642.00 annually + bonus + benefits. Pay Type: Salary

The above represents the full salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors, and will fall within the stated range. Your recruiter can share more information about the specific salary range during the hiring process.

Candidates will be working a hybrid role based in Columbus, Ohio. Remote candidates outside Columbus who reside in one of our payroll approved states may be considered. Ideal candidates will have underwriting experience with Package Lines and Workers' Compensation.

We may hire a senior level depending on candidate qualifications. (compensation shown is inclusive of the non-senior and senior level)

This role will report to a Regional Vice President, Commercial Lines.

Are you a Referral?

If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team.

Unique residence requirements are listed in each job posting, please review closely for details.

Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes:

Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin.

JOB OBJECTIVE:

The Underwriter, Small Business's objective is to review routine risks, determine acceptability, and successfully write profitable business accounts. The underwriter, within designated authority, reviews insurance applications to evaluate, classify and rate each risk to determine acceptability, coverage and pricing. The underwriter is responsible for the financial performance of the assigned book of business and is expected to achieve profitable retention and growth. The underwriter is focused on taking action to achieve results that positively impact sales and profitability.

ESSENTIAL FUNCTIONS:

1. Determine the acceptability, quality, pricing, profitability and opportunity for new and existing business.

2. Complete thorough risk analysis on designated accounts using appropriate Encova, NCCI, ISO and industry rules, policies, procedures, and guidelines, etc.

3. Underwrites and assesses risk for routine, small business renewals and new business items.

4. Uses the predictive model for straight through processing of a high volume of accounts.

5. Utilizes Encova systems to transact requests and endorsements.

6. Communicates with agents electronically through internal Encova systems.

7. Identify, create and initiate new business opportunities within assigned book of business.

8. Gather and analyze information necessary to make an accurate evaluation of risk.

9. Determine appropriate pricing based on risk exposures, risk quality, loss potential and coverage provided.

10. Utilize available resources including company underwriting guidelines, business unit strategies, and consultations with others to ensure adequate understanding of risk exposures.

11. Prepare proposals to producers, including negotiation of terms and conditions.

12. Ensure the proper issuance of policies, certificates, filings and notifications.

13. Seek the guidance of management on risks exceeding assigned authority levels.

14. Effectively utilize industry rules and guidance to ensure proper policy construction

15. Identify underwriting issues; recommend and develop plans for problem resolution and implement where appropriate.

16. Manage existing and prospective accounts by actively participating in account renewals, new business presentations as needed and discussion with agents.

17. Participate in monitoring and analyzing performance of assigned agents; initiate actions and understand downstream impact of alternatives.

18. Serve as a resource for other team members and units.

19. Apply discretionary pricing appropriately based on the account exposures, predictive model indications and letter of authority.

20. Communicate all underwriting decisions or changes on coverage, limits, exposures and/or pricing, discussing alternatives with agents as needed.

OTHER FUNCTIONS:

1. Travel to various locations to support business objectives whenever necessary.

2. Perform other duties as assigned.

KNOWLEDGE, SKILLS AND ABILITIES:

• Bachelor's degree from an accredited college or university preferred, demonstrated significant professional or insurance experience may substitute for educational requirements.
• Two years insurance experience in the property and casualty insurance market preferred.
• Interpersonal skills are required including the ability to demonstrate professionalism, adaptability, accountability, collaboration, and problem solving.
• Insurance designations or insurance education course work (i.e. AINS-Associate in General Insurance) is strongly preferred.
• Critical thinking: Ability to assess an individual situation and select applicable rules from an array of options, resulting in the most appropriate and sustainable decision.

• Strong oral and written communication skills.
• Knowledge of underwriting laws and rules and their application.
• Knowledge of policy and procedures regarding risk administration and risk management, underwriting and loss control.
• Knowledge of the insurance industry and the business environment in which it operates in order to develop an effective business strategy and remain technically current.
• Thorough understanding of business exposure calculations, classifications, experience rating or other plan modifications.
• Ability to develop and implement account, territorial, producer and book strategies to acquire and retain business.
• Ability to work effectively in a team environment.
• Ability to use logic and reasoning to identify strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
• Ability to identify problems and review related information to develop and evaluate options and implement solutions.
• Ability to make sound decisions after considering all facts, potential risks, customer needs and alternative solutions.
• Ability to initiate and build relationships and tailor services to meet customer needs.
• Ability to present ideas and information to individuals and groups in a clear, concise, influential, organized and diplomatic manner and address concerns or needs.
• Ability to adjust priorities based on changing situations.
• Ability to effectively manage multiple assignments while meeting established guidelines.
• Proficient in Excel.

This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons.

Ready to join our team?
At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating and financially rewarding opportunities.

Join us to discover a work experience where your diverse ideas will be met with enthusiasm - where you can learn and grow to your fullest potential.

What you can expect from us
Join our family of industry leaders, and let us reward you with a competitive salary, bonus and benefits package that includes but is not limited to: a 401(k), wellness programs, bonus incentive plans and flexible schedules, with an early close of the office every Friday. Additionally, Encova aspires to be an outstanding corporate citizen in all the markets we serve; we encourage and support associate participation in community initiatives through our foundations.

Encova Insurance is an EOE/E-Verify employer.

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**SMALL BUSINESS SPECIALIST**
This role will be responsible for providing critical support for the client relationships in the centralized Small Business Banking team, which will include managing an existing portfolio of business and the acquisition of new business. This role will focus generally on companies with revenues under $1MM and provide loans, lines of credit, credit cards, treasury and depository services to targeted companies.
**Responsibilities to include:**
+ Generate, retain, & expand lending and depository relationships with new and existing clients through direct prospecting, direct marketing programs, cold calling, and client referrals
+ Meet all established sales goals and actively participate in all sales activities as assigned by engaging in a personal weekly sales activity plan
+ Serve as the primary link for all financial services to the individual Small Business Banking client with the bank (i.e., Treasury Services, International, Trust, and Cash Vault)
+ Ensure that customers have a positive experience with the organization and its products/services at every touch point
+ Identify prospecting approaches to recognize potential customers and create opportunities to sell financial solutions and ideas to customers for both their business and personal financial needs
+ Perform portfolio management activities such as: manage and support customer inquiries and service requests; analyze each lending situation for additional business and cross-sell opportunities; communicate and partner with other lending areas for follow up on behalf of customer; apply expertise of banking products/services to help them achieve their financial goals
+ Communicate and collaborate with consistency and transparency with branch staff, business banking teams and other internal partners that service small companies (with revenue under $MM)
+ Process complete application packages efficiently, including screening packages against product guidelines and required documents, entering and processing loans, lines and credit cards into the system, gathering all required documents, and closing out applications within target timeframes
+ Maintain information in CRM consistently for use internally to provide maximum efficiency surrounding the small business clients
**Qualifications:**
+ Bachelor's degree in business administration and 2+ years of outside sales experience in the financial services industry or equivalent combinations of education and experience
+ Knowledge of Business Banking products, processes, policies and lending practices
+ Ability to develop new business and good B2B sales skills
+ Ability to provide excellent customer service
+ Ability to create and deliver one-on-one and group presentations
+ Excellent interpersonal, verbal and written communication skills
+ Ability and willingness to sell via outbound telephone calls
+ Proficiency in Word, Excel and PowerPoint
**Compensation Range:**
56,890.00 - 109,270.00
_The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_
UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
**Are you ready to be part of something more?**
You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.
_UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _to let us know the nature of your request._
_If you are a California resident, please visit our_ Privacy Notice for California Job Candidates ( _to understand how we collect and use your personal information when you apply for employment with UMB._
**_Who we are_**
We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.
Learn more about UMB's vision ( out the road to a career at UMB

UMB's bottom line is directly impacted by the growth of our small business portfolio.  This team manages commercial relationships throughout its life - developing meaningful connections with small business owners and the management of companies they serve.  Always mindful of the changes in the company, its industry, etc., over time that might create a change in their financial service needs. 
As a **Small Business Specialist** , you are a product sales expert focused on solutions that will entice prospective companies to award new business to UMB. Your role is focused on companies with revenues under $1 million and provides loans, lines of credit, credit cards, treasury, and depository services to targeted companies. You will generate, retain and expand lending and depository relationships with new and existing clients through direct prospecting, marketing programs, cold calling and client referrals. You will serve as the primary connection for all financial services to the Small Business Banking client (i.e., Treasury Services, Lending and Depository Services). Seen as a trusted advisor, you will ensure that customers have a positive experience with the organization and its products/services at every touch point; identifying prospecting approaches to recognize potential customers and create opportunities to sell financial solutions and ideas to customers for both their business and personal financial needs.
** ** How you'll spend your time:
+ You will complete sales plans and goals on a weekly basis to develop new prospects.
+ You will perform portfolio management activities such as: manage and support customer inquiries and service requests; analyze each lending situation for additional business and cross-sell opportunities.
+ You will communicate and partner with other lending areas for follow up on behalf of customers; apply expertise of banking products/services to help them achieve their financial goals.
+ You will communicate and collaborate with consistency and transparency with branch staff, business banking teams and other internal partners that service small companies (with revenue under $MM).
+ You will process complete application packages efficiently, including screening packages against product guidelines and required documents, entering and processing loans, lines and credit cards into the system, gathering all required documents, and closing out applications within targeted timeframes.
+ You will maintain information in a CRM system consistently for use internally to provide maximum efficiency surrounding the small business clients.
We're excited to talk with you if:
+ You have a bachelor's degree in business administration and 2+ years of outside sales experience in the financial services industry OR any combination of education and experience that would provide an equivalent background.
Bonus points for:
+ Previous experience in a Small Business Banker, Relationship Banker or related role.
+ Basic working knowledge of accounting principles and practices.
+ Knowledge of Consumer Banking, Business Banking, Merchant and Treasury Services.
+ Capacity to sell business products/services within the financial services industry to business clients.
**Compensation Range:**
56,890.00 - 109,270.00
_The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._
UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
**Are you ready to be part of something more?**
You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.
_UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _to let us know the nature of your request._
_If you are a California resident, please visit our_ Privacy Notice for California Job Candidates ( _to understand how we collect and use your personal information when you apply for employment with UMB._
**_Who we are_**
We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.
Learn more about UMB's vision ( out the road to a career at UMB

**SMALL BUSINESS SPECIALIST**
This role will be responsible for providing critical support for the client relationships in the centralized Small Business Banking team, which will include managing an existing portfolio of business and the acquisition of new business. This role will focus generally on companies with revenues under $1MM and provide loans, lines of credit, credit cards, treasury and depository services to targeted companies.
**Responsibilities to include:**
+ Generate, retain, & expand lending and depository relationships with new and existing clients through direct prospecting, direct marketing programs, cold calling, and client referrals
+ Meet all established sales goals and actively participate in all sales activities as assigned by engaging in a personal weekly sales activity plan
+ Serve as the primary link for all financial services to the individual Small Business Banking client with the bank (i.e., Treasury Services, International, Trust, and Cash Vault)
+ Ensure that customers have a positive experience with the organization and its products/services at every touch point
+ Identify prospecting approaches to recognize potential customers and create opportunities to sell financial solutions and ideas to customers for both their business and personal financial needs
+ Perform portfolio management activities such as: manage and support customer inquiries and service requests; analyze each lending situation for additional business and cross-sell opportunities; communicate and partner with other lending areas for follow up on behalf of customer; apply expertise of banking products/services to help them achieve their financial goals
+ Communicate and collaborate with consistency and transparency with branch staff, business banking teams and other internal partners that service small companies (with revenue under $MM)
+ Process complete application packages efficiently, including screening packages against product guidelines and required documents, entering and processing loans, lines and credit cards into the system, gathering all required documents, and closing out applications within target timeframes
+ Maintain information in CRM consistently for use internally to provide maximum efficiency surrounding the small business clients
**Qualifications:**
+ Bachelor's degree in business administration and 2+ years of outside sales experience in the financial services industry or equivalent combinations of education and experience
+ Knowledge of Business Banking products, processes, policies and lending practices
+ Ability to develop new business and good B2B sales skills
+ Ability to provide excellent customer service
+ Ability to create and deliver one-on-one and group presentations
+ Excellent interpersonal, verbal and written communication skills
+ Ability and willingness to sell via outbound telephone calls
+ Proficiency in Word, Excel and PowerPoint
**Compensation Range:**
51,480.00 - 99,330.00
_The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_
UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
**Are you ready to be part of something more?**
You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.
_UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _to let us know the nature of your request._
_If you are a California resident, please visit our_ Privacy Notice for California Job Candidates ( _to understand how we collect and use your personal information when you apply for employment with UMB._
**_Who we are_**
We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.
Learn more about UMB's vision ( out the road to a career at UMB

ADP is hiring a **Sales Representative, Human Resources Outsourcing (HRO).**
+ **_Are you ready for your next best job where you can elevate your financial future?_**
+ **_Are you looking to grow your career with a formal career path at an established, respected, global leader?_**
+ **_Do you want to join a fast-paced, inclusive environment with a culture of collaboration and belonging?_**
If so, this may be the opportunity you've been searching for. Read on and decide for yourself.
In this role, you will close sales and win new business within a defined territory. You'll attend our award-winning training program and join a sales team that works with both new and existing clients to sell human resources solutions, making employees' lives better with high-quality benefits offerings across the hire-to-retire spectrum. Daily, you will cultivate relationships with Human Resources and executive decision-makers, set appointments, gather leads from established internal partners, and assess buyer needs to present the best ADP solutions.
You will use your ability to manage multiple sales processes at the same time through various stages in the sales process, as well as document them, sticking with the process through implementation until your new business is up and running on the solutions you sell. As you see more and more deals cross the finish line, you'll reap the rewards with industry-leading compensation, benefits, luxurious incentive trips, and awards. As you strive to grow your career, leaders will back your desire to pursue advancement and provide continual sales training.
Ready to #MakeYourMark? **Apply now!**
**To learn more about Sales at ADP** , watch here: YOU'LL DO** : Responsibilities
+ **Grow Our Business While Growing Yours** : You will work within a defined, protected territory to close sales, win business, and reach sales goals by implementing a top-down sales strategy.
+ **Turn Prospects into Loyal and Referring Clients:** You will close sales by recommending the right solutions to help our clients understand and solve their real business needs. Plus, you'll earn referral business by networking with existing and soon-to-be clients and forging partnerships in-person and over the phone with decision-makers.
+ **Deepen Relationships Across the ADP Family** : In addition to cloud-based human resources solutions, you will strategically cross-sell with other ADP associates to cultivate additional business within existing accounts; you will make life-long friendships here.
+ **Collaborate Daily.** You will serve as a trusted advisor, partner, and ADP ambassador to your clients, internal partners, and overall network while demonstrating grace under pressure and the highest ethical standards.
**TO SUCCEED IN THIS ROLE** : Required Qualifications
+ **Positive Self-Starter** **.** You have an upbeat, persistent style and the ability to cold call without fear of rejection. You can manage your time well, prioritize deliverables, and multi-task with the best of them. In addition, you can present your ideas in a clear, professional manner on paper, in-person, and over the phone.
+ **Strategic Closer** . You have an established network and experience carrying a quota in outside business-to-business sales. You have an impressive track record of closing sales, winning clients, and managing a territory and relationships.
+ **Proven Winner** . You have an ambitious spirit and thrive under pressure, motivating you to not only hit sales quotas but exceed them.
A college degree is great but not required. What's more important is having the skills to do the job. If you don't have a college degree, other acceptable experience could include:
+ Three years of business-to-business sales experience (preferably field sales) within a results-driven environment.
+ Military experience -- skills including teamwork, resilience, negotiation, trust-building, and a never lose mentality will help you build team and client relationships, identify solutions, and achieve success.
**Bonus points for these:** _Preferred Qualifications_
+ Ability to successfully build a network and effectively use social media for sales
**YOU'LL LOVE WORKING HERE BECAUSE YOU CAN:**
+ **Be yourself** in a culture that values equity, inclusion, and belonging and creates a safe space for diverse perspectives and insights.
+ **Belong** by joining one of our Business Resource Groups where you can connect globally with networks and allies who share common interests and experiences.
+ **Grow your career** in an agile, fast-paced environment with plenty of opportunities to progress.
+ **Continuously learn.** Ongoing training, development, and mentorship opportunities for even the most insatiable learner.
+ **Be your healthiest.** Best-in-class benefits start on Day 1 because healthy associates are happy ones.
+ **Balance work and life.** Resources and flexibility to more easily integrate your work and your life.
+ **Focus on your mental health and well-being.** We're here to provide exceptional service to our clients, and none of that happens without each of us taking care of ourselves and being there for one another.
+ **Join a company committed to giving back** and generating a lasting, positive impactupon the communities in which we work and live.
+ **Get paid to pay it forward.** Company-paid time off for volunteering for causes you care about.
What are you waiting for? **Apply now!**
**A little about ADP:** We are a comprehensive global provider of cloud-based human capital management (HCM) solutions that unite HR, payroll, talent, time, tax and benefits administration and a leader in business outsourcing services, analytics, and compliance expertise. We believe our people make all the difference in cultivating a down-to-earth culture that embraces our core values, welcomes ideas, encourages innovation, and values belonging. We've received recognition for our work by many esteemed organizations, learn more at ADP Awards and Recognition ( .
**Diversity, Equity, Inclusion & Equal Employment Opportunity at ADP:** ADP is committed to an inclusive, diverse and equitable workplace, and is further committed to providing equal employment opportunities regardless of any protected characteristic including: race, color, genetic information, creed, national origin, religion, sex, affectional or sexual orientation, gender identity or expression, lawful alien status, ancestry, age, marital status, protected veteran status or disability. Hiring decisions are based upon ADP's operating needs, and applicant merit including, but not limited to, qualifications, experience, ability, availability, cooperation, and job performance.
**Ethics at ADP:** ADP has a long, proud history of conducting business with the highest ethical standards and full compliance with all applicable laws. We also expect our people to uphold our values with the highest level of integrity and behave in a manner that fosters an honest and respectful workplace. Click to learn more about ADP's culture and our full set of values.

More than 135 years ago, we started with core values that never go out of style: listen, learn and help businesses and individuals reach their goals. These core values shape our culture, and we were recently Great Place to Work Certified because of our outstanding workplace culture and employee experience. As well, our financial strength and stability are key reasons Forbes named us one of the Best 100 Banks in America for the ninth consecutive year.
With more than $16 billion in assets and 135 branch locations throughout Washington, Oregon, Idaho, and California, we understand our role in the economy and take that responsibility seriously. In addition to offering a source of capital to personal banking clients and businesses of all sizes, we place a high importance on employee volunteerism and donate millions of dollars each year to community organizations.
As a Small Business Consultant , you will Provide an exceptional client experience while engaging in a broad range of sales and service activities at branch locations. Consult with clients to facilitate client awareness and education of bank products and services, including digital banking capabilities. Process a variety of routine financial transactions accurately and efficiently. Open and maintenance client accounts and address client requests, inquiries and complaints promptly and efficiently. Assist in branch lending processes by accepting applications, answering client questions, and booking loans.
In this role you will have the opportunity to:

• Act as a leader in providing an exceptional client sales and service experience at branch locations. Assists with the operations of the branch along with the on-going training, mentoring, and coaching of team members.
• Grow and maintain a consumer/business lending pipeline by deepening client and center of influence relationships to continuously source referrals. Independently conducts outbound calls and networking activities, participates in delivering banking presentations.
• Consult with clients on bank products and services to attract, expand, and retain client relationships. Apply need-based sales techniques to build client awareness of bank products and services that will enhance the client relationship with the bank. Recognize and facilitates referral opportunities to other business lines (including Commercial Lending, Treasury Management, Mortgage Lending and Investment Services.)
• Communicate proactively with current and prospective clients to educate, ensure understanding, resolve issues, develop and maintain client loyalty and solicit client feedback to improve bank performance. Hold client appointments scheduled by clients and/or branch team as well as walk-in appointments to identify and meet client needs.
• Open new accounts, verifies and processes changes to existing accounts, responds to inquiries, and resolves related account problems to ensure client satisfaction. Responsible for complying with policies, procedures, security requirements, and government regulations.
• Assist in branch lending processes, educates clients regarding lending options, completes thorough loan applications and documentation.
• May process a variety of routine financial transactions, including check cashing, withdrawals, deposits, and loan payments. Balances cash drawer, counting currency and coin accurately.

Education & Certifications

• H.S. Diploma: required (an equivalent combination of education and experience may be considered)
• NMLS Registration required

Experience

• 4+ years of banker/client relationship consultant or related sales experience with established goals required

Knowledge, Skills and Abilities

• Advanced knowledge of retail product philosophy, policy, procedures, documentation and systems. Thorough knowledge of all retail products and services. Functional knowledge of complex accounts. (Ex. Trust, Power of Attorney, Guardianship, Court-Blocked, etc.)
• Ability to analyze client credit data and other related financial information to identify client needs and recommend solutions. Functional knowledge of consumer and business lending best practices.
• Possess effective selling, cross selling and referral skills. Demonstrated networking skill and ability to manage branch referrals.
• Proven client service, interpersonal, and relationship building skills. Possess effective verbal and written communication skills; proper phone and email etiquette required.
• Strong ability to multi-task; Able to be flexible and react swiftly to client or branch needs and adjusting priorities.
• Ability to effectively use computer software including Microsoft Outlook, Word, and related business and communication tools.

Travel

• 10%

Compensation and Benefits

• Targeted starting salary range (based on experience): $27.09-36.00 hourly
• Comprehensive employee benefits, including: medical, dental, vision, LTD, STD and life insurance
• Paid vacation time, sick time and 11 company paid holidays
• 401k (with up to 4% match)
• Tuition reimbursement
• Get more information at: Employee Benefits | Banner Bank

Please take time to review Banner Bank's Consent & Privacy notice before applying.
Banner Bank is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.
Banner Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings . Resumes submitted to any Banner Bank employee by a third-party agency and/or search firm without a valid written and signed search agreement, will become the sole property of Banner Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.

Small Business Analyst
Job ID:
250697
Location:
MD-Metro Bldg New Carrollton
Full/Part Time:
Full-Time
Posting Open-Close
08/13/2025
-
08/27/2025
Union
002
Regular/Temporary:
Regular
**Job Description**
**Minimum Qualifications**
**Education**
+ Bachelor's degree in Business Administration, Finance, Business Management, Public Administration, Accounting, Economics, or related field.
+ In lieu of degree four (4) years of professional-level analytical and/or project management experience. Must include experience in DBE/SBE/, Small Minority and Women-owned businesses certification processes and procedures as well as working with Enterprise Resource Planning software may be considered.
**Experience**
+ Seven (7) years of professional-level analytical and/or project management experience. Must include experience in DBE/SBE/, Small Minority and Women-owned businesses certification processes and procedures as well as working with Enterprise Resource Planning software.
+ Also, must have experience with small business programs or with a prime contractor, state, local or federal agency.
**Certification/Licensure**
+ N/A
**Preferred**
+ Experience with small business programs and/or with a prime contractor, federal airport, transit authority, state, local or highway programs subject to Code 49 of the Code of Federal Regulations, Parts 23 or 26 and have experience working in transportation construction industry.
Satisfactorily complete the medical examination for this position, if required. The incumbent must be able to perform the essential functions of this position either with or without reasonable accommodations.
**Job Summary**
The Small Business Analyst provides certification oversight for the Authority's Disadvantaged Business Enterprise (DBE) Program, Small Business Enterprise (SBE) Program, Minority Business Enterprise Program (MBE), Small Business Program (SBP) and Micro Business Program (MBP) for businesses pursuing contracting opportunities with the Authority. The Analyst uses broad statistical, financial, procurement and budget data analysis skills, and investigative skills to administer vendor certification pursuant to Title 49 Code of Federal Regulations Part 26 (49 CFR Part 26) and the Authority's business objectives and other initiatives. The incumbent also delivers business industry knowledge and relevant data to key stakeholders. The Analyst advises and assists the certification of DBE/SBE/MBE/SBP/MBP businesses engaged in federal and state procurements of all types. The incumbent conducts on-site visits to clients seeking certification or re-certification and provides clients with technical assistance on the state's procurement and certification process. The Analyst works independently and performs complex socio-economic program work.
**Essential Functions**
+ Administers, monitors, reviews, improves and maintains the on-line application process of the DBE/SBE/MBE/SBP/MBP Programs for businesses pursuing contracting opportunities with the Authority for federal capital projects; other non-federal capital projects that are funded with monies received from Maryland, Virginia and the District of Columbia; and operations funded simplified acquisitions.
+ Oversees and reviews all documentation submitted by DBE, SBE, MBE, SBP and MBP vendors for WMATA small business programs within 30 days of receipt. Ensures that the documents are complete and within the guidelines established. Updates the WMATA Certification Programs (WCP) data base and ensures that all vendor information is accurate.
+ Monitors and maintains the Contract Life Cycle Management (CLM) small business certification database to ensure documentation of NAICS codes and personal data is accurate and up-to-dates and monitors daily the Small Business Programs Office (SBPO) Hotline.
+ Monitors SBPO Hot Line for vendor complaints and anonymous reports of fraud.
+ Collects financial, contracting and procurement data, tracks business related statistics, conducts research and analyzes complex data for vendor certification that supports all specific goals and/or initiatives of WCP.
+ Develops PowerPoint presentations and facilitates vendor training in the WCP certification process.
+ Conducts site visits to applicants for certification in the WCP in compliance with federal regulations in 49 CFR Part 26 and the Non-Federal programs manual.
+ Conducts vendor outreach to the local stakeholders to encourage small businesses to become certified in the WCP.
+ Prepares WCP Initial Certification report and the evaluation reports in compliance with the related requirements for each program to recommend certification or decertification of firms.
+ Assist in drafting, revising and amending the Small Business Programs Office's Manuals for all programs. This includes the policies and procedures for WMATA's WCP for businesses pursuing contracting opportunities with the Authority for federal and non-federal capital projects, jurisdictional and operating funds
+ Trains and monitors SBPO staff to provide appropriate customer service through the SBPO Hotline (email and telephone).
+ Researches complex data and conducts policy analysis to establish internal controls for small business certification, goal setting, and contract oversight for all WMATA Program areas.
+ Develops and maintains policies and procedures for maintaining and monitoring of the unified vendor directory of WMATA and the District Columbia Department of Transportation (DDOT) in compliance with 49 CFR Part 26.
+ Reviews certification forms to ensure the certification application process in the CLM system is user friendly. Recommends updates and changes to the online forms.
+ Extracts, organizes, and analyzes data from multiple systems and sources to build usable reports for departmental needs and assists in preparing monthly/quarterly/annual commitment, award, utilization, and business payment reports.
+ Develops and presents business/procurement project documentation and reports for annual submission to the Office of Civil Rights, Federal Transit Administration.
+ Organizes, collates, and analyzes information and data findings, provides evidence used in administrative court proceedings. Writes reports and summaries of interviews in a clear, concise, and grammatically correct manner.
+ Prepares documentation for the Small Business Programs Office (SBPO). Represents WMATA at the District of Columbia Unified Certification Program (DCUCP) DBE vendor certification meetings and de-certification hearings.
+ Gathers certification, de-certification and compliance information and documents for Senior Small Business Auditors in the investigation of certification and contract compliance fraud. Also, coordinates customers to provide this information.
+ Interacts effectively and professionally in conflict situations where individuals are hostile or uncooperative, to obtain information necessary to for inquiries and investigations.
+ **OTHER FUNCTIONS**
+ Develops and presents other business/procurement project documentation and reports.
+ Identifies and oversees the entry of relevant data into WMATA's database management system(s); assist with analytical studies; and conduct research.
**The essential duties listed are not intended to limit specific duties and responsibilities of any particular position. Nor is it intended to limit in any way the right of managers and supervisors to assign, direct and control the work of employees under their supervision.**
**Evaluation Criteria**
Consideration will be given to applicants whose resumes demonstrate the required education and experience. Applicants should include all relevant education and work experience.
Evaluation criteria may include one or more of the following:
+ Skills and/or behavioral assessment
+ Personal interview
+ Verification of education and experience (including certifications and licenses)
+ Criminal Background Check (a criminal conviction is not an automatic bar to employment)
+ Medical examination including a drug and alcohol screening (for safety sensitive positions)
+ Review of a current motor vehicle report
**Closing**
WMATA is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, status as a protected veteran, or any other status protected by applicable federal law.
This posting is an announcement of a vacant position under recruitment. It is not intended to replace the official job description. Job descriptions are available upon confirmation of an interview.

**SMALL BUSINESS SPECIALIST**
This role will be responsible for providing critical support for the client relationships in the centralized Small Business Banking team, which will include managing an existing portfolio of business and the acquisition of new business. This role will focus generally on companies with revenues under $1MM and provide loans, lines of credit, credit cards, treasury and depository services to targeted companies.
**Responsibilities to include:**
+ Generate, retain, & expand lending and depository relationships with new and existing clients through direct prospecting, direct marketing programs, cold calling, and client referrals
+ Meet all established sales goals and actively participate in all sales activities as assigned by engaging in a personal weekly sales activity plan
+ Serve as the primary link for all financial services to the individual Small Business Banking client with the bank (i.e., Treasury Services, International, Trust, and Cash Vault)
+ Ensure that customers have a positive experience with the organization and its products/services at every touch point
+ Identify prospecting approaches to recognize potential customers and create opportunities to sell financial solutions and ideas to customers for both their business and personal financial needs
+ Perform portfolio management activities such as: manage and support customer inquiries and service requests; analyze each lending situation for additional business and cross-sell opportunities; communicate and partner with other lending areas for follow up on behalf of customer; apply expertise of banking products/services to help them achieve their financial goals
+ Communicate and collaborate with consistency and transparency with branch staff, business banking teams and other internal partners that service small companies (with revenue under $MM)
+ Process complete application packages efficiently, including screening packages against product guidelines and required documents, entering and processing loans, lines and credit cards into the system, gathering all required documents, and closing out applications within target timeframes
+ Maintain information in CRM consistently for use internally to provide maximum efficiency surrounding the small business clients
**Qualifications:**
+ Bachelor's degree in business administration and 2+ years of outside sales experience in the financial services industry or equivalent combinations of education and experience
+ Knowledge of Business Banking products, processes, policies and lending practices
+ Ability to develop new business and good B2B sales skills
+ Ability to provide excellent customer service
+ Ability to create and deliver one-on-one and group presentations
+ Excellent interpersonal, verbal and written communication skills
+ Ability and willingness to sell via outbound telephone calls
+ Proficiency in Word, Excel and PowerPoint
**Compensation Range:**
51,480.00 - 99,330.00
_The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_
UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
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_UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _to let us know the nature of your request._
_If you are a California resident, please visit our_ Privacy Notice for California Job Candidates ( _to understand how we collect and use your personal information when you apply for employment with UMB._
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