Valley Bank
Overview
Join to apply for the
Business Banker I
role at
Valley Bank . 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. The Business Banker I will develop and manage client accounts for the Business Banking Division, while ensuring that these client accounts meet established requirements and maximum profitability to the financial institution at a minimum risk. 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 customers' needs. Manages relationships with business banking clients through service and support, including overseeing maintenance of client accounts and ensuring clients' needs are met. Establishes a strong referral network and relationships with commercial real estate agents, brokers, CPAs, accountants, attorneys, and other Centers of Influence (COIs). Develops professional relationships with other bank departments, 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 on-site visits and outbound calls. Maintains knowledge of bank policies and guidelines for the 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 strengthens community ties. Interviews loan applicants, analyzes financial data to assess creditworthiness; establishes and negotiates credit terms, and monitors customers' credit. Monitors outstanding loans and takes necessary collection actions on past-due accounts. Educates the borrower on business line processes, structure, and expectations. Analyzes, determines eligibility, originates, and structures loan requests. Submits complete documentation packages to the credit department. 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 Salesforce. 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.
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Join to apply for the
Business Banker I
role at
Valley Bank . 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. The Business Banker I will develop and manage client accounts for the Business Banking Division, while ensuring that these client accounts meet established requirements and maximum profitability to the financial institution at a minimum risk. 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 customers' needs. Manages relationships with business banking clients through service and support, including overseeing maintenance of client accounts and ensuring clients' needs are met. Establishes a strong referral network and relationships with commercial real estate agents, brokers, CPAs, accountants, attorneys, and other Centers of Influence (COIs). Develops professional relationships with other bank departments, 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 on-site visits and outbound calls. Maintains knowledge of bank policies and guidelines for the 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 strengthens community ties. Interviews loan applicants, analyzes financial data to assess creditworthiness; establishes and negotiates credit terms, and monitors customers' credit. Monitors outstanding loans and takes necessary collection actions on past-due accounts. Educates the borrower on business line processes, structure, and expectations. Analyzes, determines eligibility, originates, and structures loan requests. Submits complete documentation packages to the credit department. 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 Salesforce. 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.
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