Association Banking Relationship Mgr

Valley Bank; Vero Beach (FL); On-site; USD 85,000 - 120,000; Full time

Job summary

Valley Bank is seeking a Commercial Banking Relationship Manager in Florida to grow client relationships, develop new business, and cross-sell bank products. You will manage lending deals, monitor credit quality, and coordinate closings with attention to legal terms and client needs.

The role emphasizes proactive networking, thorough financial analysis, and strong collaboration with internal partners to deliver tailored solutions for diverse industries.

Qualifications

• High School diploma or GED.
• Minimum of 3 years related lending and/or credit experience.
• Valid driver' s license.

Responsibilities

• Business development with a focus on acquisition of new clients and expanding relationships.
• Develop network of external referral sources to attract new clients.
• Maintain, grow and service assigned portfolios and cross-sell other bank products.
• Negotiate terms of lending agreements and present packages for credit approval.
• Ensure current financial information is reviewed and monitored for credit quality.
• Oversee loan closing process and ensure proper documentation and signatures.

Skills

Interpersonal skills

Presentation skills

Communication

Prospecting

Negotiation

Credit underwriting

Accounting basics

Loan documentation

Independence/Teamwork

MS Office

Salesforce/nCino

Professional practices

Education

High School diploma or GED

Bachelor's degree in Finance/Accounting/Business

Tools

Salesforce

nCino

Microsoft Word

Excel

Outlook

Job description

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.

At Valley, we\'re all driven by an ambition that goes deeper than just having a job. That\'s why when you work for us, we make it our goal to help you focus on what drives you--working to turn your passions and strengths into assets you can use to propel your ambitions and build the professional legacy you want. Because when we say we\'re a relationship bank built for growth, that\'s not just reserved for our clients--that includes all our associates as well.

Responsibilities

Monitored overview: The Commercial Banking Relationship Manager\u2019s main responsibility is business development, credit quality, relationship development and retention, and to be a liaison with other business line partners to meet their clients\' Banking needs.

• Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively on 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\u2019s) 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.

Required Skills

• Effective interpersonal and presentation skills as well as written and verbal communication skills. Ability to prospect new business and enhance existing relationships. Ability to sell and negotiate.
• Ability to review, analyze and structure commercial loans, cross sell bank products, and attract new business through effective presentations and the ability to respond to questions.
• Strong working knowledge of credit underwriting, basic accounting, and loan documentation. Formal credit training preferred.
• Ability to work independently or as a team to achieve overall Departmental goals using sound judgement in decision making.
• Proficient computer skills using Microsoft Word, Excel and Outlook as well as prospecting/tracking tools such as Salesforce, nCino or similar systems.
• Familiarity with professional business practices (time management, communication and appearance).

Required Experience

• High School diploma or GED.
• Minimum of 3 years related lending and/or credit experience with community and/or industry involvement in the area.
• Valid driver\'s license

Preferred Experience

• Bachelor\'s degree in Finance, Accounting, or business related study and/or formal Commercial Credit training.