Structured Finance - Business Development Officer

About this role

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…