Small Business Banker

Valley Bank; New York (NY); On-site; USD 60,000 - 90,000; Full time

Job summary

Valley Bank is seeking a Small Business Banker in New York to develop and manage client accounts within the Small Business Banking Division, ensuring profitability and risk controls. You will prospect new clients, nurture relationships, and collaborate with real estate agents, CPAs, attorneys to expand client portfolios.

The role requires 3+ years in bank lending sales, a strong book of business, and the ability to cross-sell across lines of business.

Qualifications

• 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.
• 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.

Responsibilities

• 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.
• 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.

Skills

Interpersonal skills

Communication skills

Numerical ability

Time management

MS Office

Salesforce

Education

High School diploma or GED

Bachelor's degree in Business, Accounting or Finance

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 Small Business Banker develops and manages client accounts for the Small 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 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.

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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.