Commercial Banking Relationship Manager

vnbcareers; Town of Florida (NY); On-site; USD 90,000 - 150,000; Full time

Job summary

vnbcareers in Town of Florida, NY seeks an experienced banking professional to drive new business and expand client relationships. You will respond promptly to referrals from Senior Management and the branch network, and develop a network of external COIs to attract new clients.

You will maintain and service portfolios, cross-sell bank products, and oversee lending negotiations, credit analysis, and loan closings to ensure profitability and quality.

Qualifications

• 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.
• Bachelor's degree in Finance, Accounting, or business related study and/or formal Commercial Credit training.

Responsibilities

• Business development with a focus on acquisition of new clients and expanding relationships with existing clients.
• Develop network of external referral sources/centers of influence (COI's) to attract new clients.
• Maintain, grow and service assigned portfolios and cross-sell other bank products; drive profitability, quality, and growth of portfolio.
• Negotiate terms of lending agreements with clients/prospects and prepare credit packages for approval and circulation.
• Ensure bank has current financial information and monitor changes in credit quality.
• Oversee loan closing process and ensure documents reflect agreed terms and are properly signed and filed.

Skills

Interpersonal skills

Presentation skills

Credit underwriting

Analytical thinking

MS Word/Excel/Outlook

CRM/Salesforce or similar

Education

High School diploma or GED

Bachelor's degree in Finance/Accounting/Business

Tools

Salesforce

nCino

Microsoft Outlook

Microsoft Word

Microsoft Excel

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/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.
• 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:

• 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.