Business Banker

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees.  Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Business Banker

ACCOUNTABILITY STATEMENT The Business Banker position will develop, retain and deepen business member relationships within an assigned geographic region while working closely with designated branches through prospecting, cross-selling, relationship management efforts, and excellent member service. The Business Banker will be responsible for building and deepening relationships with small businesses with revenues up to $5 million and business lending needs up to $1,000,000, while cross-selling additional products and services, and successfully transferring larger relationships to a Commercial Banker. The Business Banker will work in conjunction with branch partners to identify business member’s and non-member’s financial needs, both business and personal, to sell the appropriate products and services from VyStar’s full suite of financial offerings. This position will also provide ongoing support to designated branches in terms of business development to assist with the achievement of individual branch goals, understanding of credit decisions and loan documents, and assisting with difficult loan closings as needed. The Business Banker will professionally handle any business services inquiries and referrals from existing members, non-members, and internal and external sources. The Business Banker is expected to effectively resolve problems or situations relating to business members within assigned portfolio, following established policies and procedures while meeting all goals and objectives.

ESSENTIAL JOB FUNCTIONS

• Responsible for building and deepening relationships with small businesses with revenues up to $5 million and business lending needs up to $1,000,000.

• Achieve individual annual production and growth goals of both business loans and deposits to ensure VyStar meets its overall financial goals and objectives.

• Work closely with assigned branches and Commercial Banker partners to grow, retain business member relationships and achieve their business lending and deposit growth goals by actively participating in branch team meetings, training and calling efforts.

• Utilize a needs-based and consultative approach while working with small business owner to identify their short and long-term financial needs.

• Responsible for small business growth activities including identifying new opportunities with prospects and existing business members.

• Interact effectively with business underwriting and servicing departments to efficiently process and close loan requests, renewals and any other credit related activities.

• Process small ticket loans from start to finish, including but not limited to: application, submission, loan processing, document preparation, loan closing, and loan boarding.

• Call on existing business members within assigned portfolio and branch network to ensure that members’ needs are being met and appropriate solutions are presented.

• Identify opportunities to develop new business member relationships and prospects through outbound calling efforts.

• Actively participate in local community and business organizations to maximize and develop a referral network, source business development opportunities and demonstrate VyStar’s commitment to the local community.

• Refer larger business relationships or opportunities with more complex financial needs to Commercial Banker partners.

• Execute and coordinate business member retention activities with branches in response to competitor's activities.

• Leverage problem-solving and strong communication skills to resolve business member issues and disputes.

• Present a professional, friendly and helpful appearance with every interaction as a representative of the Commercial Services team.

• Provide outstanding member service and ensure sales and referral expectations are achieved.

• Remain informed of VyStar’s credit standards, pricing structure, loan policies and procedures, member service practices fundamental to the successful execution of the Business Banker II job duties and responsibilities.

• Document business development activities, sales pipeline and calendar reporting in a timely and accurate manner.

• Maintain an in-depth knowledge of VyStar’s business services products and services.

• Handle incoming referr