Structured Finance - Business Development Officer

Job description

## **We are changing FINANCE to finance CHANGE!** At **Climate First Bank**, we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking. With branches in **St. Petersburg, Winter Park, Mount Dora**, and a growing **digital presence**, we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them. Under our Holding Company, **Climate First Bancorp**, we are also powered by OneEthos. **OneEthos** operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending. ### **Join the Movement** We’re seeking **driven, mission-aligned** individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home. Our team is one of **goal-setters, go-getters, problem solvers, thought leaders, and changemakers**. We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality. ### **Thrive at Climate First Bank** At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. **Please note that benefit eligibility varies by employment status and that benefits for part-time employees may differ from those listed below.** **Compensation** **—**In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors. **Health Coverage****—**100% employer-paid for employees; employer contribution for dependents by Us - **Medical, Dental & Vision Insurance** - **Health Savings Account (HSA)** - **Free Telemedicine access via Teladoc** **Financial Wellness & Wealth Building** - **401(k) with 6% Employer Match —** No Vesting Period. - **Employee Stock Options** - **Exclusive Employee Banking Perks** - **0% Financing for Employee Solar Loans** - **Employee Only Mortgage Product**with exclusive interest rates and terms. - **0% Financing for Eligible Electric Vehicles (EVs)** - **Referral Incentives** **Generous Paid Time Off** - **2–4 Weeks of Vacation** based on officer level plus additional tenure-based time. - **64 Hours of Paid Sick Time**for all full-time employees. **Protection & Peace of Mind** - **Company-Paid Life Insurance** - **Short- & Long-Term Disability Insurance** - **Voluntary Life, Accident & Critical Illness Coverage** - **Employee Assistance Program (EAP)**with free counseling, legal, and financial services. **What to expect as a Business Development Officer (BDO)** The **Business Development Officer (BDO)** for **Factoring and Asset-Based Lending (ABL)** is responsible for originating, structuring, and closing new business opportunities. This role is integral to the growth and success of the **Structured Finance** Division, requiring a proactive approach to business development, client relationship management, and industry engagement. **What You’ll Contribute in This Role:** **Business Development** - Identify, cultivate, and manage relationships with prospective clients. - Develop and execute a strategy to meet or exceed annual new business funding targets. - Leverage industry networks, referral sources, and marketing strategies to generate a consistent pipeline of high-quality leads. **Sales & Client Management** - Conduct in-depth needs assessments to understand client financial requirements and present tailored financing solutions. - Build and maintain strong relationships with referral partners, including brokers, CPAs, attorneys, and industry associations. - Represent the Structured Finance Division at industry conferences, trade shows, and networking events to promote services and build the division’s brand. **Structuring & Closing Deals** - Work collaboratively with internal underwriting, operations, and credit teams to structure and close deals efficiently. - Ensure all deals align with the division’s credit policies and risk appetite. - Negotiate terms and pricing with clients while maintaining a focus on achieving profitability and client satisfaction. **Market & Industry Expertise** - Stay informed about market trends, competitor offerings, and changes in the factoring and ABL landscape. - Provide feedback to leadership regarding market conditions and opportunities for product or service enhancements. **Pipeline & Portfolio Management** - Build and maintain a robust pipeline with clearly defined stages and next steps. - Generate a balanced portfolio of deals across various industries and credit profiles. **Champion Our Mission, Protect What Matters** - Embody a commitment to environmental, social, economic, and racial justice. - Apply curiosity and interest in our core values and pursue education related to sustainability practices. - Be willing to pursue and demonstrate an understanding of established Bank policies, procedures, and regulations. - Recognize the importance of protecting the organization and our customers. - Question suspicious activity and stay in close collaboration with our Compliance department to ensure proper investigation and processing of potentially fraudulent activity. - Stay informed on legal context and regulatory requirements and prioritize completing all web-based compliance and IT training. **What You’ll Leverage in this Role:** **Education and Experience** - Bachelor’s degree in Business, Finance, or a related field; MBA or advanced degree is a plus. - 5+ years of experience in factoring, ABL, or commercial finance. **Entrepreneurial Self-Starter Mentality -** You take charge of your work product and take pride in delivering consistently great and measurable results. A high-pace and high-expectation environment excites you and you can’t wait to push yourself to new professional heights in a company that rewards high performance. **Master Communicator -** Whether it’s in-person, on camera, phone, or chat — you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and are able to engage efficiently and tactfully with internal and external stakeholders. Additionally, you possess exceptional interpersonal, communication, and negotiation skills allowing you to masterfully build relationships and develop business with strong influencing and decision-making skills. **Banking & Fintech Acumen**- You are highly educated in factoring and ABL products, including underwriting and credit analysis principles. You also possess strong knowledge of unique industries and markets in conjunction with a broad knowledge of business banking products and services is required. **Tech-Forward and Analytical Thinking** - You learn new tools quickly, are excited by innovation and leverage technology to optimize your work process. You showcase strong proficiency in CRM tools and financial analysis software. **Commitment to Being a Team Player** - You possess the ability to work independently but still, you lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You’re dependable, communicate clearly and always happy to lend a hand where needed. **Pay Transparency -** The base pay for this role starts at $120,000 and is commensurate based on experience required in the role. **How We Work Together at Climate First Bank** At Climate First Bank, we believe that how we work is just as important as what we do. Every team member is expected to deliver high-quality results on time—whether independently or in collaboration with others. You’ll be part of a supportive, mission-driven team where professionalism, communication, and collaboration are key to our collective success. You’ll also be expected to stay informed and compliant with all regulatory policies, including BSA, AML, CIP, and OFAC. These aren’t just checkboxes — they’re essential to maintaining the trust and integrity that define our bank. **What to Expect in Your Work Environment:** - Remote role within the United States; Eastern Standard Hours. - Occasional U.S. travel for company events. - Sustained standing and sitting. - Frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor. - Occasional lifting up to 20 lbs. Your Commitment By stepping into this role, you acknowledge and embrace the responsibilities outlined here. You understand the outlined responsibilities are not intended to be all encompassing and that they may evolve or change over time and that management reserves the discretion to assign or reassign duties and responsibilities to this position at any time. While your duties may evolve over time, your adaptability and alignment with our mission will remain at the heart of your success. **Pay Transparency** The base pay for this role starts at $120,000 and is commensurate based on experience required in the role. #### Equal Opportunity Statement: ###### At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. ###### Equal Opportunity Employer/Disability/Veterans ###### E-Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9