Growth-Focused Business Banking Relationship Manager

Valley National Bank; Fairfield (NJ); On-site; USD 85,000 - 147,000; Full time

Job summary

Valley Bank is seeking a Business Banker I to develop and manage client accounts for the Business Banking Division, focusing on profitability and risk. You will cultivate relationships with clients, cross-sell products, and refer lending opportunities to bank partners.

You will interview loan applicants, analyze financial data, and support credit analysis and underwriting. This full-time role offers comprehensive benefits and career growth in a relationship-driven bank.

Qualifications

• High School diploma or GED with a minimum of 3 years of related bank lending sales 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.

Responsibilities

• 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.

Skills

Interpersonal skills

Written & verbal communication

Financial calculations

Independent work

Project prioritization

MS Office

Salesforce

Education

High School diploma or GED

Bachelor's degree in Business, Accounting or Finance (preferred)

Tools

Salesforce

Job description

Valley Bank is seeking a Business Banker I to develop and manage client accounts for the Business Banking Division, focusing on profitability and risk. You will cultivate relationships with clients, cross-sell products, and refer lending opportunities to bank partners.

You will interview loan applicants, analyze financial data, and support credit analysis and underwriting. This full-time role offers comprehensive benefits and career growth in a relationship-driven bank.