Comm'l Business Banker - Huntington, NY

Business Banker

Melville, NY | $79,918 - $100,000 | 1 month ago

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 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 achieve maximum profitability for the institution at minimum risk.

• 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 needs are met.
• Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA’s, attorneys, and other centers of influence.
• 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 client’s 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 and 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 strengthens community ties.
• Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers’ credit.
• Monitors outstanding loans and takes necessary collection actions on past dues.
• Educates the borrower on business line processes, structures, and sets 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.

• Excellent interpersonal, 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.

• 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.

Entry level

Full-time

Finance and Sales