Comm Bnkg Relationship Manager II

Valley Bank; New York (NY); On-site; USD 90,000 - 130,000; Full time

Job summary

Valley Bank in New York seeks a Comm Banking Relationship Manager to drive new business, grow existing relationships and coordinate with other lines to meet client banking needs.

Responsibilities include developing referrals, expanding portfolios, negotiating lending terms, and ensuring accurate credit information and timely closings. This role requires strong presentation skills, credit analysis ability, and independence to achieve department goals.

Qualifications

• High School diploma or GED required; bachelor's degree preferred.
• Minimum 5 years lending/credit experience in community or industry.
• Strong presentation, communication, and relationship-building skills.
• Proficient with credit underwriting and loan documentation.
• Ability to work independently or in a team to meet goals.
• Familiar with CRM and prospecting tools (Salesforce, nCino or similar).

Responsibilities

• Business development focusing on new client acquisition and expanding existing relationships.
• Develop networks of external referral sources and COIs to attract clients.
• Maintain and grow assigned portfolios; cross-sell bank products.
• Negotiate terms of lending agreements and prepare credit packages.
• Ensure current financial information is analyzed and kept on file; monitor credit quality.
• Oversee loan closings to ensure documents reflect agreed terms and are signed.

Skills

Interpersonal & presentation skills

Prospecting & network building

Credit underwriting & analysis

Independent / team collaboration

MS Word, Excel, Outlook

Salesforce / nCino familiarity

Education

High School diploma or GED

Bachelor's degree in Finance, Accounting, or related field

Tools

Salesforce

nCino

Microsoft Excel

Microsoft Word

Microsoft 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.

The Comm Bnkg Relationship Managers 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.

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 on all new business referrals from Senior Management, the branch network or other areas of the bank.
• Develop network of external referral sources/centers 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

• Strong and effective interpersonal and presentation skills as well as written and verbal communication skills. Proven track record of prospecting new business and enhancing existing relationships.
• Strong ability to critically 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 totally 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 5 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.