Hey /adv/, I have a peculiar problem. >Masters in finance,

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Hey /adv/, I have a peculiar problem.
>Masters in finance, work as a private banker
>good income and pretty good at my job
>No anxiety or anything when meeting new people or while doing customer meetings
>Customers are anywhere from 25-70 yrs old, male and female
>Social circle is large enough, three close friends whom I've known for 15+ years
>Can keep elaborate presentations to large-ish audiences with no noticeable stage fright except the natural feeling of tension everyone has
HOWEVER
>Feel uncomfortable with small talk when it's not a customer/colleague/friend/some kind of a betworking event
>Can't initiate a discussion with a girl for example at a pub or elsewhere
>Body language is closed combined with a natural frown which makes me look arrogant and/or socially retarded (not a problem when at work)
>hard time keeping eye contact on a date abd can't think of anything interesting to talk about
Why am I like this and how do I fix it?