Relationship Manager I

Valley Bank; Birmingham (AL); On-site; USD 40,000 - 50,000; Full time

Job summary

A financial institution in Birmingham seeks a Mid-Senior level professional for a full-time role focusing on business development in banking. The candidate will be responsible for acquiring new clients, managing portfolios, and closing loans. Required qualifications include a High School diploma or GED and at least 3 years of related lending experience. Proficiency in negotiation and project management is essential. The salary range is $40,000.00 to $50,000.00.

Qualifications

• Minimum of 3 years related lending and/or credit experience.
• Valid driver's license required.
• Ability to work independently or as part of a team.

Responsibilities

• Develop new clients and expand relationships with existing clients.
• Negotiate lending agreements and ensure loan closing process.
• Maintain and grow assigned portfolios.

Skills

Interpersonal skills

Presentation skills

Written communication skills

Verbal communication skills

Negotiation skills

Analytical skills

Sales skills

Microsoft Word proficiency

Microsoft Excel proficiency

Salesforce knowledge

Education

High School diploma or GED

Bachelor's degree in Finance or Accounting (preferred)

Tools

nCino

Job description

Be among the first 25 applicants.

Responsibilities

• 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'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.

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.

Seniority Level

Mid-Senior level

Employment Type

Full-time

Job Function

Finance and Sales

Industries

Banking

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Birmingham, AL | $40,000.00-$50,000.00