Business Banker I

Valley Bank • Fort Myers, FL

108d

About The Position

The position involves representing the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit, and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs. The role requires managing relationships with business banking clients through service and support, overseeing maintenance of client accounts, and ensuring that clients' needs are met. Additionally, the position involves establishing a strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's). The candidate will develop strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross-sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships. Active collaboration with other lines of business is essential to ensure that clients' specific needs are met. The role also includes providing quality customer service to existing customers and accounts through problem resolution and maintaining consistent communications with clients through onsite visits and outbound calls. The candidate will need to develop and maintain intimate knowledge of the policies and Bank guidelines for their business line, refer lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners, and participate in civic and community activities to promote the Bank's diverse products and services. The position also involves interviewing loan applicants, analyzing financial and related data to establish credit worthiness, establishing and negotiating credit terms, monitoring customers' credit, and taking necessary collection actions on past dues. The candidate will educate borrowers on the business line process, structure, and set expectations, analyze, determine eligibility, originate, and structure loan requests, submit complete documentation packages to the credit, assist in the credit analysis and underwriting process as needed, and recommend approval of customer applications for commercial loans.

Requirements

• Excellent interpersonal skills and written and verbal communication skills.
• Ability to calculate figures and amounts such as discounts, interest and percentages.
• Ability to work independently, manage multiple projects and meet deadlines.
• Ability to prioritize and organize assignments while working on multiple projects simultaneously.
• Intermediate PC skills, knowledge of Microsoft Office software, and referral tracking programs, such as Sales Force.
• High School diploma or GED with a minimum of 3 years of related bank lending sales experience or a combination of sales/credit analysis experience.

Nice To Haves

• Bachelor's degree in Business, Accounting or Finance with a minimum of 3 years of bank lending sales experience and a minimum of 1 year of credit analysis experience.

Responsibilities

• Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business.
• Manages relationships with business banking clients through service and support.
• Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's).
• Develops strong professional relationships with other Bank department associates and vendors to cross-sell and generate appropriate business product and service recommendations.
• Actively collaborates with other lines of business to ensure clients' specific needs are met.
• Provides quality customer service to existing customers and accounts through problem resolution.
• Maintains consistent communications with clients through onsite visits and outbound calls.
• Develops and maintains intimate knowledge of the policies and Bank guidelines for their business line.
• Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners.
• Participates in civic and community activities to promote the Bank's diverse products and services.
• Interviews loan applicants and analyzes financial and related data to establish credit worthiness.
• Establishes and negotiates credit terms and monitors customers' credit.
• Monitors outstanding loans and takes necessary collection actions on past dues.
• Educates the borrower on business line process, structure, and sets expectations.
• Analyzes, determines eligibility, originates, and structures loan requests.
• Submits complete documentation packages to the credit and assists in the credit analysis and underwriting process as needed.
• Recommends approval of customer applications for commercial loans.

What This Job Offers

• Education Level: High school or GED
• Number of Employees: 1,001-5,000 employees