Comm Bnkg Relationship Mgr

Valley National Bank; City of White Plains (NY); On-site; USD 85,000 - 120,000; Full time

Job summary

Valley National Bank in New York seeks a Commercial Lending Officer to grow and deepen client relationships through proactive business development. You will target new clients and expand existing relationships while coordinating with senior management and the branch network.

You will originate and manage loan portfolios, cross-sell bank products, negotiate terms, and ensure timely closings while maintaining credit quality and adherence to bank policies.

Qualifications

• Experience in commercial lending and client relationship management.
• Ability to analyze credit data and structure lending facilities.
• Strong negotiation and communication skills.

Responsibilities

• Develop new business and expand client relationships through referrals.
• Build external referral networks/COIs to attract clients.
• Manage assigned portfolios and cross-sell bank products.
• Negotiate loan terms and structure facilities per credit policy.
• Monitor credit quality and report changes.
• Oversee loan closing process and ensure proper documentation.

Skills

Business development

Relationship management

Credit analysis

Lending

Negotiation

Job description

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/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.