Commercial Banking Relationship Manager

vnbcareers; Birmingham (AL); On-site; USD 70,000 - 100,000; Full time

Job summary

VNB Careers is seeking a capable Banking Relationship Manager to drive new business and expand existing client relationships. You will respond quickly to referrals, build COI networks, and manage portfolios with cross-sell opportunities.

You will negotiate terms, structure credit facilities, and ensure loan closings comply with bank policies. Strong credit, communication, and team collaboration are essential in this role.

Qualifications

• 3+ years lending or credit experience in community or industry roles.
• Ability to prospect and grow client relationships effectively.
• Strong knowledge of evaluating, structuring and documenting loans.
• Proven ability to present and respond to questions on credit packages.
• Proficient with MS Office and loan-relationship systems.

Responsibilities

• Develop new client relationships and expand existing portfolios.
• Negotiate loan terms, pricing and documents with clients.
• Close loans ensuring all terms and signatures are accurate.
• Monitor credit quality and report changes to leadership.
• Cross-sell bank products to enhance client profitability.

Skills

Prospecting and relationship growth

Negotiation and presentation

Credit underwriting and loan structuri

Cross-selling bank products

Independent and team work

Education

High School diploma or GED

Bachelor's degree in Finance, Accounting, or business

Tools

Salesforce

nCino

Microsoft Word

Microsoft Excel

Microsoft 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.