Comm Bnkg Relationship Mgr

vnbcareers; City of White Plains (NY); On-site; USD 70,000 - 102,000; Full time

Job summary

vnbcareers in White Plains, NY seeks an experienced banking professional to drive business development, expand client relationships and cross-sell bank services. You will respond quickly to referrals from senior management and the branch network, and manage a portfolio of commercial loans with profitability and risk control.

Key duties include structuring credit facilities, negotiating terms, preparing credit packages for approval, monitoring credit quality, and overseeing the loan closing

Qualifications

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

Responsibilities

• Acquire new clients and expand relationships.
• Respond quickly to referrals from Senior Management and branch network.
• Develop network of external referral sources/CoIs to attract new clients.
• Maintain and service portfolios; cross-sell bank products.
• Structure and price credit facilities; prepare credit packages for approval.
• Oversee loan closing process to ensure proper documentation and funding.

Skills

Interpersonal skills

Presentation skills

Written & verbal communication

Prospecting / business development

Negotiation

Credit underwriting knowledge

Financial analysis

Credit training

Independent / team work

CRM tools (Salesforce, nCino)

Education

High School/GED

Bachelor’s degree in Finance/Accounting/Business

Commercial Credit training

Tools

Salesforce

nCino

Excel

Outlook

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.

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.