Structured Finance

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, Downtown Orlando 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.

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.

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.

Now Hiring: Business Development Officer (BDO) - Factoring and Asset-Based Lending

We're looking for a Business Development Officer who will originate, structure, and close new factoring and asset-based lending opportunities. This role supports the growth and success of the Structured Finance Division through proactive business development, client relationship management, and industry engagement.

What You'll Contribute:

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

• Collaborate with 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 while maintaining a focus on profitability and client satisfaction.

Market & Industry Expertise

• Stay informed about market trends, competitor offerings, and changes in the factoring and asset-based lending landscape.
• Provide leadership with feedback on 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

• Adopt a commitment to environmental, social, economic, and racial justice.
• Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training.
• Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
• Question suspicious activity and collaborate closely with the respective department(s) to help prevent fraudulent activity.

What Makes a Stand-Out Candidate:

Experience & Education

• Bachelor's degree in Business, Finance, or a related field; an MBA or advanced degree is a plus.
• At least 5 years of experience in factoring, asset-based lending, or commercial finance.
• Strong knowledge of factoring and ABL products, including underwriting and credit analysis principles.
• Proficiency with CRM tools and financial analysis software.

Entrepreneurial Self-Starter - You take ownership of your work and consistently deliver measurable results. A fast-paced, high-expectation environment motivates you to pursue ambitious growth goals.

Master Communicator - You communicate with confidence, precision, and professionalism across in-person, phone, video, and written channels. You build relationships, influence decisions, and negotiate effectively with internal and external stakeholders.

Banking & Fintech Acumen - You understand factoring and asset-based lending products, underwriting and credit analysis principles, unique industries and markets, and business banking products and services.

Tech-Forward and Analytical Thinking - You learn new tools quickly, embrace innovation, and use CRM tools and financial analysis software to improve efficiency and decision-making.

Commitment to Being a Team Player - You work independently while lifting others up, sharing ideas, communicating clearly, and contributing to the success of the larger team.

The Work Environment:

• Remote role within the United States; Eastern Standard Hours.
• Occasional U.S. travel for company events and industry conferences, trade shows, and networking events.
• Tobacco-free employer. All employees must affirm they are non-smokers or commit to cessation within 90 days of offer acceptance.
• Sustained standing and sitting, frequent communication (speaking and listening), and regular use of a PC, including typing and sustained attention to a monitor.
• Occasional lifting up to 20 lbs.

The Hiring Process:

Applications must be submitted through the official application link. Resumes sent via other channels may be delayed or bypassed. Processing times may vary. Candidates selected to move forward will be contacted by the hiring team.

Our process follows the Topgrading Methodology - we hire A-Players through a structured, transparent process that includes:

• Cognitive and personality assessments
• An application form spanning your full education and work history
• 3 conversation stages with key team members- get to know us!
• Credit and background checks conducted before the final interview
• Final Step: Connect us with former mentors and managers of our choice for reference chats.

We do not offer visa sponsorship and will not pursue candidates without valid work authorization.

Pay Transparency:

The base pay for this role is commensurate with the experience required for the position and other job-related factors.