Comm Bnkg Relationship Mgr II

Valley Bank; Tampa (FL); On-site; USD 90,000 - 140,000; Full time

Job summary

Valley Bank in Tampa seeks a seasoned Commercial Lending Relationship Manager to grow client base and deepen existing relationships. You will lead credit analysis, negotiate loan terms, and manage the full loan closing process with a focus on profitability and risk control.

Responsibilities include expanding COI networks, cross-selling products, and maintaining robust credit oversight while delivering exceptional service to clients in a growth-focused community bank.

Qualifications

• Strong interpersonal and presentation abilities; proven prospecting experience.
• Ability to review, analyze, and structure commercial loans with cross-selling.
• Proficient in credit underwriting, basic accounting, and loan documentation; training preferred.
• Capable of working independently or in a team to achieve department goals.
• Proficient in MS Word/Excel/Outlook; experience with Salesforce/nCino.
• Familiarity with professional business practices and appearance.

Responsibilities

• Business development focusing on acquiring new clients and expanding relationships.
• Develop external referral sources/COIs to attract new clients.
• Maintain and service portfolios; cross-sell other bank products for profitability.
• Negotiate loan terms and structure credit facilities per policy; prepare credit packages.
• Ensure up-to-date financial information is on file and monitor credit quality.
• Lead loan closings ensuring documents reflect agreed terms and signatures.

Skills

Interpersonal skills

Presentation skills

Credit analysis

Independent work

Microsoft Office

Salesforce / nCino

Education

High School diploma

Bachelor's degree in Finance/Accounting or related

Tools

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.

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/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.
• Negotiate 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.