Commercial Banking Relationship Manager III - Orange County, CA

Valley National Bank; Lancaster (CA); On-site; USD 90,000 - 130,000; Full time

Job summary

Valley National Bank in Lancaster, California, seeks a senior relationship professional to drive business development, acquire new clients and expand existing relationships. You will manage and grow portfolios while cross-selling bank products to deepen client engagement.

You will negotiate lending terms, prepare credit packages, monitor credit quality and oversee loan closings to ensure accurate documentation and profitable outcomes for the bank.

Responsibilities

• Business development with a focus on acquiring new clients and expanding relationships with existing clients.
• Develop network of external referral sources/COIs to attract new clients.
• Maintain, grow and service assigned portfolios and cross-sell other bank products.
• Negotiate terms of lending agreements and prepare packages for credit approval.
• Monitor and report changes in credit quality.
• Lead loan closing process and ensure documents reflect agreed terms and proper closing.

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.