Growth-Focused Commercial Banking Associate

Valley National Bank; Fairfield (NJ); On-site; USD 64,000 - 108,000; Full time

Job summary

Valley Bank in New Jersey seeks a Commercial Banking Relationship Manager to drive business development, monitor credit quality, and strengthen client relationships across a growing portfolio. You will liaise with other lines of business, prepare term sheets, and oversee loan closings to ensure timely, accurate credit files and effective service delivery.

The role emphasizes proactive credit monitoring, relationship development, and timely responses to client needs, with a competitive total

Qualifications

• High School Diploma and a minimum of one year of account management or credit underwriting experience.
• Community and/or industry involvement in territory.
• Bachelor's degree preferred.

Responsibilities

• Assist the Relationship Manager with their customer portfolios.
• Monitor and report changes in credit quality.
• Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority.
• Prepare and issue term sheet and commitment letters.
• Attend loan closings to ensure loans are properly closed.
• Follow past due payments and overdrafts.
• Ensure that lines of credit are renewed in a timely fashion. Obtain customer renewal term agreement and negotiate any differences.
• Respond to customer needs in a timely fashion.
• Ensure that customer requests with other departments are being properly followed, clearing all service issues.
• Oversee proper handling of customer transactions such as advances, payments, wire transfer, etc.
• Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file and that proper and complete credit files are on hand.
• Provide reports of information as required.
• Review documentation prepared by legal counsel as to their accuracy meeting all requirements of loan requests.
• Provide problem resolution.
• Assure that credits are accurately risk rated and credits are properly monitored and reported.
• Create and maintain current BSA Information.
• Adhere and comply with all requirements of watch list and EDD procedures.

Skills

Credit underwriting

Accounting basics

Loan documentation

MS Word

MS Excel

Outlook

Interpersonal skills

Time management

Mathematical skills

Relationship management

Education

High School Diploma

Bachelor's degree preferred

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Job description

Valley Bank in New Jersey seeks a Commercial Banking Relationship Manager to drive business development, monitor credit quality, and strengthen client relationships across a growing portfolio. You will liaise with other lines of business, prepare term sheets, and oversee loan closings to ensure timely, accurate credit files and effective service delivery.

The role emphasizes proactive credit monitoring, relationship development, and timely responses to client needs, with a competitive total