Small Business Banker

Valley National Bank•Piscataway, NJ

About The Position

The Small Business Banker represents the bank in business development and relationship management for small business clients with approximately $5 million or less in revenue. The role generates deposits, loans, treasury services, fee income, and related business while addressing customer needs. It builds and grows client relationships through ongoing outreach, customer service, referrals, and collaboration with other bank departments and business lines. The position also develops professional referral networks, participates in civic and community activities, and serves on a Community Reinvestment Act (CRA) board or committee. For lending opportunities, the banker interviews applicants, completes applications, gathers documentation to understand the customer’s financial circumstances, and explains the lending process and 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.
A 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 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 active prospecting and customer business development with small business clients to generate deposits, loans, treasury services, fee income, and related business.
Manage small business banking relationships through consistent outreach, nurturing, and growth.
Build referral relationships with real estate agents, brokers, CPAs, accountants, attorneys, and other centers of influence.
Develop relationships with bank associates, other business lines, and vendors to cross-sell relevant 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 communications through onsite visits and outbound calls.
Develop and maintain knowledge of policies and bank guidelines applicable to the business line.
Refer lending and other business opportunities to Business Banking, Middle Market, treasury management, Highland Capital, FiServ, ADP, residential mortgage, and deposit partners.
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 strengthen communities and support 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’s process and structure, and set expectations.