Commercial Banking Relationship Manager II

vnbcareers; Jericho (NY); On-site; USD 95,000 - 125,000; Full time

Job summary

vnbcareers in the New York area seeks a seasoned Commercial Lender to drive new client acquisition and expand existing relationships. You will manage portfolios, cross-sell bank products, and oversee loan negotiations from terms to closing, ensuring high-quality credit and profitability.

The role requires at least 5 years in lending/credit, strong interpersonal and presentation skills, and the ability to work independently or with a team. A bachelor’s degree is preferred.

Qualifications

• Minimum 5 years lending/credit experience with community and/or industry involvement.
• Strong ability to analyze and structure commercial loans and cross-sell bank products.
• Proven prospecting and relationship-building track record.

Responsibilities

• Acquire new clients and expand relationships with existing clients.
• Develop external referral networks to attract clients.
• Maintain and service portfolios, cross-sell bank products.
• Negotiate loan terms and prepare packages for credit approval.
• Monitor credit quality and report changes.
• Oversee loan closing and ensure all documents are in order.

Skills

Interpersonal skills

Presentation skills

Prospecting

Credit underwriting

Analytical thinking

Teamwork

Time management

Communication

CRM/prospecting tools

Business development

Education

Bachelor's degree in Finance/Accounting or business field

High School diploma or GED

Tools

Salesforce

nCino

Microsoft Word

Microsoft 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/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.