Business Banking Relationship Manager

vnbcareers; Fairfield (NJ); On-site; USD 85,000 - 115,000; Full time

Job summary

vnbcareers in New Jersey seeks a commercially focused banker to drive new loan and deposit opportunities. You will manage relationships with business clients, analyze credit, and coordinate with partners to deliver tailored financial solutions.

You will interview borrowers, assess creditworthiness, and cross-sell bank products while maintaining compliance and client service excellence. A strong sales background in banking is essential.

Qualifications

• Excellent interpersonal and written/verbal communication skills.
• Ability to calculate figures such as discounts, interest and percentages.
• Ability to work independently, manage multiple projects and meet deadlines.
• Ability to prioritize and organize assignments while handling multiple projects.
• Familiarity with Salesforce or CRM tools is a plus.

Responsibilities

• Generate new loan and deposit business by prospecting and meeting client needs.
• Manage relationships with business banking clients and oversee account maintenance.
• Develop referral networks with COIs to expand client base.
• Collaborate with other bank teams to cross-sell products.
• Interview loan applicants and assess creditworthiness, terms, and monitoring.
• Submit complete loan packages and assist in credit analysis and underwriting.
• Recommend loan approvals and monitor loan portfolios.
• Provide excellent customer service and proactive problem resolution.

Skills

Relationship management

Prospecting / business development

Credit analysis

Negotiation

Education

Bachelor's degree in Business, Finance or related field

High School diploma or GED

Tools

Salesforce

Microsoft Office

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.

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.