Association Banking Relationship Mgr

Valley National Bank; Vero Beach (FL); On-site; USD 75,000 - 110,000; Full time

Job summary

Valley National Bank in Florida seeks an experienced relationship professional to drive sustained business development, actively pursue new client acquisitions, expand relationships with existing clients, and coordinate cross-sell opportunities across bank products.

You will negotiate loan terms, assemble comprehensive credit packages for approval, monitor credit quality and portfolio risk, supervise the loan closing process, and ensure all legal documents reflect the terms agreed with customers

Responsibilities

• Drive business development and acquire new clients while expanding relationships with existing clients.
• Develop external referral networks to attract new clients.
• Cross-sell bank products and manage portfolio profitability and growth.
• Negotiate loan terms and structure credit facilities according to policies.
• Prepare and present credit packages for approval.
• Monitor credit quality and supervise loan closings ensuring proper documentation.

Job description

Responsibilities

Responsibilities include but are not limited to:

• Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively to all new business referrals from Senior Management, the branch network or other areas of the bank.
• Develop network of external referral sources/center of influence (COI's) in order to attract new clients.
• Maintain, grow and service assigned portfolios and appropriately cross sell other bank products. Overall accountability for driving the profitability, quality, and growth of portfolio.
• Negotiates terms (collateral, covenants, pricing and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank\'s credit policies and lending practices. Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority.
• Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file. Monitor and report changes in credit quality.
• Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly.