Business Banker

Valley National Bank•Marlton, NJ

23h

About The Position

The Business Banker represents the bank in business development and relationship management activities, generating loan, deposit, and related business while meeting the needs of current and prospective business customers. The role supports business banking clients by maintaining accounts, resolving issues, communicating with clients, and connecting them with relevant bank products and services. It also involves developing referral networks and collaborating with internal teams and external partners.

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, including 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, oversee account maintenance, and ensure clients’ 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 appropriate products and services.
Collaborate with other lines of business to address clients’ specific needs.
Provide customer service to existing customers and accounts, resolve problems, and maintain communication through onsite visits and outbound calls.
Maintain knowledge of applicable policies and bank guidelines.
Refer lending opportunities and treasury management, insurance, residential mortgage, and deposit needs to bank partners.
Participate in civic and community activities to promote bank products and services and strengthen professional and community relationships.
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 about 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 customer applications for commercial loans.