Comm Bnkg Relationship Mgr

Valley Bank; City of White Plains (NY); On-site; USD 90,000 - 130,000; Full time

Job summary

Valley Bank is seeking a Comm Banking Relationship Manager in White Plains, NY to drive new business and strengthen relationships with existing clients. You will coordinate with other bank lines to meet clients' banking needs and manage the portfolio's profitability and risk.

The role requires strong credit assessment, negotiation skills, and the ability to cross-sell products while maintaining high service standards for clients across the region.

Qualifications

• Minimum 3 years lending/credit experience with community and/or industry involvement in the area.
• High School diploma or GED is required.
• Bachelor's degree in Finance, Accounting, or business related study and/or formal Commercial Credit training preferred.

Responsibilities

• Develop network of external referral sources/COIs to attract new clients.
• Maintain, grow and service assigned portfolios and cross-sell bank products.
• Negotiate terms of lending agreements and present to credit authority.
• Ensure current financial information is analyzed and on file; monitor changes in credit quality.
• Oversee loan closing process and ensure documents reflect agreed terms.

Skills

Interpersonal skills

Presentation skills

Written communication

Verbal communication

Prospecting

Relationship building

Negotiation

Education

High School diploma or GED

Bachelor's degree in Finance, Accounting, or business

Commercial Credit training

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Salesforce

nCino

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/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.