Small Business Banker

vnbcareers; Boca Raton (FL); On-site; USD 75,000 - 110,000; Full time

Job summary

vnbcareers is seeking a skilled SMB Relationship Manager to drive new business with small business clients, manage ongoing relationships, and expand deposits, loans, and treasury income. The role emphasizes building a strong COI network and collaborating across bank lines to meet client needs.

You will interview loan applicants, explain business line processes, and ensure compliance with bank policies while delivering exceptional customer service and proactive outreach.

Qualifications

• High School diploma or GED with at least 3 years of bank lending sales experience.
• Strong book of business and COIs to drive productivity.
• Bachelor's degree in Business, Accounting or Finance preferred with relevant experience.

Responsibilities

• Prospect and develop business with small business clients to generate deposits, loans, and treasury income.
• Manage relationships through outreach and growth.
• Establish a strong referral network with COIs.
• Cross-sell products by coordinating with other bank lines and vendors.
• Collaborate with other lines of business to meet clients’ needs.
• Provide quality customer service and resolve issues; conduct onsite visits and outreach calls.
• Learn bank policies and guidelines for the business line.
• Refer lending opportunities to relevant teams and bank partners.
• Participate in civic/community activities to promote bank products.
• Serve on CRA board/committee to strengthen communities.
• Interview loan applicants, gather documentation to understand financials.
• Educate borrowers on business line processes and expectations.

Skills

Interpersonal skills

Written and verbal communication

Numerical ability

Independent work

Time management

MS Office proficiency

Salesforce

Education

High School diploma or GED

Bachelor's degree in Business/Accounting/Finance (preferred)

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 with small business clients (-$5MM in revenue size) designed to generate new deposit, loan, treasury and other fee income and related business for the line of business while meeting any of the Bank's assigned and/or prospective business customers' needs.
• Manages relationships with small business banking clients through a consistent process of outreach, nurturing and growth.
• Establishes strong referral network and relationships with 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 to Business Banking and Middle Market, treasury management, Highland Capital, FiServ and ADP, residential mortgage, and deposit relationships to bank partners.
• Participates in civic and community activities to promote the Bank's diverse products and services, maintain professional network relationships and strengthen community ties.
• Serves on CRA Board or committee to help strengthen communities and meet Bank's CRA objectives.
• Interview loan applicants, completing applications and gathering required documentation in order to have a full understanding of the customer's financial picture.
• Educates the borrower on business line process, structure, and set expectations.

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.
• Strong Book of Business and COIs to drive immediate productivity.

Preferred 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.