Business Banker

Valley Bank • Miami, FL

5d

About The Position

The Business Banker represents the bank in developing new business and managing relationships with business banking clients. The role supports clients through account maintenance, customer service, referrals, and recommendations for appropriate banking products and services. It also builds professional referral networks and collaborates with bank associates, business lines, and vendors to meet client needs and grow relationships.

The position analyzes and structures business loan requests, assesses applicants’ creditworthiness, negotiates credit terms, monitors customer credit and outstanding loans, and recommends commercial loan applications for approval. The Business Banker educates borrowers about the lending process and submits complete documentation packages to credit, assisting with credit analysis and underwriting as needed. The role also participates in community activities to promote the bank and strengthen local relationships.

Requirements

• High school diploma or GED and at least 3 years of related bank lending sales experience, or a combination of sales and credit analysis experience.
• Excellent interpersonal, written communication, 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 handling multiple projects simultaneously.
• Intermediate PC skills and knowledge of Microsoft Office software and referral tracking programs such as Salesforce.

Nice To Haves

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

Responsibilities

• Conduct prospecting and customer business development to generate loan, deposit, and related business.
• Manage business banking client relationships, including account maintenance and ensuring client needs are met.
• Build referral relationships with commercial real estate agents, brokers, CPAs, accountants, attorneys, and other centers of influence.
• Develop professional relationships with bank associates, other business lines, and vendors to cross-sell and recommend suitable products and services.
• Collaborate with other lines of business to address clients’ specific needs.
• Provide customer service and resolve problems through consistent communication, onsite visits, and outbound calls.
• Maintain knowledge of policies and bank guidelines for the business line.
• Refer lending, treasury management, insurance, residential mortgage, and deposit opportunities to bank partners.
• Participate in civic and community activities to promote the bank’s products and services and strengthen community ties.
• Interview loan applicants and analyze financial and related information to establish creditworthiness.
• Establish and negotiate credit terms and monitor customers’ credit.
• Monitor outstanding loans and take necessary collection actions on past-due accounts.
• Educate borrowers about the business line’s process and structure and set expectations.
• Analyze eligibility, originate, and structure loan requests.
• Submit complete documentation packages to credit and assist with credit analysis and underwriting as needed.
• Recommend customer applications for commercial loan approval.

What This Job Offers

• Job Type: Full-time
• Education Level: High school or GED