Business Banker

Valley Bank • Orlando, FL

6d

About The Position

The Business Banker develops new loan, deposit, and related business while meeting the needs of existing and prospective business customers. The role manages business banking client relationships through service and account support, develops referral and professional networks, and collaborates with other bank departments and business lines to recommend appropriate products and services. The Business Banker also participates in civic and community activities to promote the Bank and strengthen community relationships.

The position evaluates and structures commercial loan requests, interviews applicants, reviews financial information and creditworthiness, negotiates credit terms, monitors customer credit and outstanding loans, and recommends commercial loan application approvals. It provides borrower education, submits documentation packages to credit, and assists with credit analysis and underwriting as needed.

Requirements

• High school diploma or GED.
• 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.
• 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 new loan, deposit, and related business.
• Manage business banking client relationships, including account maintenance and responding to client needs.
• 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 products and services.
• Collaborate with other lines of business to address clients' specific needs.
• Provide customer service and resolve problems for existing customers and accounts; maintain client communications through 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 data to assess creditworthiness.
• Establish and negotiate credit terms and monitor customers' credit.
• Monitor outstanding loans and take necessary collection actions on past-due accounts.
• Educate borrowers on the business-line 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 approval of commercial loan applications.

What This Job Offers

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