Business Banker

Valley National Bank; Orlando (FL); On-site; USD 70,000 - 95,000; Full time

Job summary

Valley National Bank in Orlando, FL is seeking a Commercial Banking professional to grow loan, deposit and related business opportunities. You will manage client relationships, develop COI networks, and cross-sell a broad range of banking products.

The role emphasizes credit analysis, loan origination, and collaboration with other departments, with a focus on delivering superior service and compliance in the local market.

Responsibilities

• Represents the bank in prospecting and developing new loan, deposit and related business for the line of business.
• Manages business banking client relationships, overseeing account maintenance and meeting client needs.
• Builds referrals with COIs including commercial real estate agents, brokers, CPAs, and attorneys.
• Forges cross-department and vendor relationships to cross-sell products and expand client relationships.
• Collaborates with other lines of business to meet client needs.
• Delivers quality service, resolves issues, and maintains client communications via visits and calls.
• Maintains deep knowledge of bank policies and guidelines for the business line.
• Refers lending, treasury, insurance, mortgages, and deposits to bank partners.
• Participates in community activities to promote products and strengthen ties.
• Interviews applicants, analyzes data to determine creditworthiness, negotiates terms, and monitors credit.
• Monitors loans and takes collection actions on past-due accounts.
• Educates borrowers on process, structure, and expectations.
• Analyzes eligibility, originates and structures loan requests.
• Submits documentation packages to the credit department and assists in analysis.
• Recommends approval of commercial loan applications.

Job description

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.