Small Business Banker

Valley Bank•Tampa, FL

About The Position

The Small Business Banker represents the bank in active prospecting and customer business development with small business clients with revenue of approximately $5 million or less. The role generates deposit, loan, treasury, fee-income, and other business while addressing customer needs. It manages client relationships through consistent outreach, nurturing, and growth, and develops referral networks with professionals and community contacts. The banker works with colleagues across bank departments and supplemental business lines to recommend suitable products and services, cross-sell, and meet clients’ needs. The position provides customer service and problem resolution, maintains client communication through onsite visits and outbound calls, follows applicable bank policies and guidelines, and refers opportunities to relevant bank partners. It also participates in civic and community activities and serves on a CRA board or committee. The role interviews loan applicants, completes applications, gathers documentation to understand customers’ financial circumstances, and explains the business-line process and structure to borrowers while setting expectations.

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.
Strong book of business and Centers of Influence to drive immediate productivity.
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 working on multiple projects simultaneously.
Intermediate PC skills and knowledge of Microsoft Office 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 active prospecting and business development with small business clients (approximately $5 million or less in revenue) to generate deposits, loans, treasury business, fee income, and other business while meeting customer needs.
Manage small business banking relationships through consistent outreach, nurturing, and growth.
Build referral networks and relationships with real estate agents, brokers, CPAs, accountants, attorneys, and other Centers of Influence.
Develop professional relationships with bank associates, supplemental business lines, and vendors to cross-sell and recommend appropriate products and services.
Collaborate with other lines of business to address clients’ specific needs.
Provide quality service to existing customers and accounts, resolve problems, and communicate consistently through onsite visits and outbound calls.
Maintain knowledge of policies and bank guidelines for the business line.
Refer lending and other opportunities to Business Banking and Middle Market, treasury management, Highland Capital, FiServ and ADP, residential mortgage, and bank partners for deposit relationships.
Participate in civic and community activities to promote the bank’s products and services, maintain professional networks, and strengthen community ties.
Serve on a CRA board or committee to help strengthen communities and meet the bank’s CRA objectives.
Interview loan applicants, complete applications, and gather required documentation to understand customers’ financial circumstances.
Educate borrowers about the business-line process and structure and set expectations.