Business Banker

Valley Bank; Marlton (NJ); On-site; USD 70,000 - 110,000; Full time

Job summary

Valley Bank is seeking a Business Banker I in Marlton, NJ to develop and manage client accounts within the Business Banking Division. You will grow loan, deposit and related business while ensuring profitability and minimizing risk.

You will build relationships with COIs, cross-sell products, and collaborate across bank lines to meet client goals and maintain high service levels for a diverse client base.

Qualifications

• 3+ years of bank lending sales experience.
• 1 year of credit analysis experience preferred.
• Bachelor's degree preferred; strong relationship-building skills.

Responsibilities

• Represents the bank in generating new loan, deposit and related business for the line of business.
• Manages relationships with business banking clients and ensures needs are met.
• Establishes strong referral network with COIs such as commercial real estate agents and attorneys.
• Cross-sells products and services to grow client relationships and profitability.
• Supports collaboration with other bank lines to meet client needs.
• Interviews loan applicants, analyzes data, and negotiates terms.
• Monitors loan performance and ensures compliance with bank policies.

Skills

Interpersonal communication

Written and verbal communication

Financial calculation

Independent work

Project management

CRM familiarity

Microsoft Office

Education

Bachelor's degree in Business, Accounting or Finance

High School diploma or GED

Tools

Salesforce

Job description

At Valley Bank, we believe in people's growth potential. We invest in it. We protect it. We focus it. For nearly 100 years, we've been the Bank that clients from every industry turn to for our expertise, strategies, and advice--building the kind of trust that can fuel every goal. We are the leading relationship bank built for growth--with over $60 billion in assets, 3,800 experts, and more than 200 consumer branches and commercial banking offices in communities across the US.

At Valley, we're all driven by an ambition that goes deeper than just having a job. That's why when you work for us, we make it our goal to help you focus on what drives you--working to turn your passions and strengths into assets you can use to propel your ambitions and build the professional legacy you want. Because when we say we're a relationship bank built for growth, that's not just reserved for our clients--that includes all our associates as well.

The Business Banker I will develop and manage client accounts for the Business Banking Division, while ensuring that these client accounts meet established requirements and maximum profitability to the financial institution at a minimum risk.

Responsibilities Include But Are Not Limited To

• Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs.
• Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met.
• Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's).
• Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships.
• Actively collaborates with other lines of business to ensure the clients specific needs are met.
• Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls.
• Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line.
• Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners.
• Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties.
• Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit.
• Monitor outstanding loans and take necessary collection actions on past dues.
• Educates the borrower on business line process, structure, and set expectations.
• Analyzes, determines eligibility, originates, and structures loan requests.
• Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed.
• Recommends approval of customer applications for commercial loans.

Required Skills

• Excellent interpersonal skills and written 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, knowledge of Microsoft Office software, and referral tracking programs, such as Sales Force.

Required Experience

• High School diploma or GED with a minimum of 3 years of related bank lending sales experience or a combination of sales/credit analysis experience.
• Bachelor's degree in Business, Accounting or Finance with a minimum of 3 years of bank lending sales experience and a minimum of 1 year of credit analysis experience is preferred.