Business Banker (Ny- Multiple Locations)

The Business Banker 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.

Revenue size: 3-25 million

Industries within portfolio: Commercial & Industrial (manufacturing, warehousing, logistics, wholesale/distribution…), Professional services, Lines of credit, term loans, owner occupied real estate.

Responsibilities include but are not limited to:

• Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met.
• Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit.
• Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed.
• 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.
• 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.
• Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls.
• Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners.
• Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's).
• Recommends approval of customer applications for commercial loans.
• Educates the borrower on business line process, structure, and set expectations.
• Analyzes, determines eligibility, originates, and structures loan requests.
• Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line.
• Actively collaborates with other lines of business to ensure the clients specific needs are met.
• Monitor outstanding loans and take necessary collection actions on past dues.
• Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties.

Required Skills:

• Excellent interpersonal skills and written and verbal communication skills.
• Ability to calculate figures and amounts such as discounts, interest and percentages.
• Intermediate PC skills, knowledge of Microsoft Office software, and referral tracking programs, such as Sales Force.
• Ability to prioritize and organize assignments while working on multiple projects simultaneously.
• Ability to work independently, manage multiple projects and meet deadlines.

Required 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.
• 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.

Locations in NY this business banker can be tied to: Chelsea (NY), Avenue J (Brooklyn), MacArthur - Holbrook (Long Island) and Westchester