VP, Commercial Relationship Manager

Ballston Spa National Bank; Latham (NY); On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Company 401(k) with match

Pension plan

Tuition reimbursement

Paid time off

Job summary

Ballston Spa National Bank is seeking a VP, Commercial Relationship Manager to expand our commercial portfolio in the Capital Region. You will manage relationships with C&I clients, analyze financials, and structure loan terms while guiding credit decisions.

You will drive new business, cross-sell banking products, and collaborate with credit, treasury and loan operations to meet annual objectives. With a Bachelor’s degree and 5+ years in commercial lending, you’ll lead negotiations, deepen

Qualifications

• Bachelor's degree in Business, Finance or related field required.
• Minimum 5 years in commercial lending with credit risk assessment and loan structuring.
• Track record of prospecting new business and expanding relationships.
• Strong negotiating, sales and relationship-building skills with credit/financial analysis.
• Well-developed communication skills.
• Membership in civic and professional organizations preferred.

Responsibilities

• Develop and maintain client relationships and analyze clients' financial strategies.
• Recommend loans and banking products with focus on C&I relationships.
• Grow a commercial portfolio by building new relationships and meeting sales targets.
• Gather financial data and explain bank products/services to clients.
• Coordinate financial analyses to support credit decisions and loan decisions.
• Provide input on loan decisions based on credit risk and other factors.

Skills

Prospecting new business

Relationship building

Negotiation

Credit analysis

Financial analysis

Communication skills

Education

Bachelor's degree in Business, Finance or related field

Master's degree preferred

Job description

Invest in your future with BSNB! Are you looking to have a direct impact on the strategic growth of a nationally recognized community bank? BSNB is seeking an experienced VP, Commercial Relationship Manager to expand existing commercial relationships, develop new business, and manage commercial loan and commercial real estate loan portfolios!

A DAY IN THE LIFE OF THE VP, COMMERCIAL RELATIONSHIP MANAGER

As a VP, Commercial Relationship Manager, you will be responsible for developing and maintaining client relationships, analyzing clients' financial and operating strategies, and recommending loans and banking products, with a focus on Commercial & Industrial (C&I) relationships. You will be responsible for growing a commercial portfolio through building new customer relationships and meeting or exceeding annual sales, revenue and volume objectives. You will gather financial and general business information on commercial clients and explain Bank products and services. You will also coordinate financial analyses in order to make credit decisions and provide input on loan decisions based on the evaluation of credit risk and other key factors.

QUALIFICATIONS FOR THE VP, COMMERCIAL RELATIONSHIP MANAGER

• Bachelor's degree in Business, Finance or related field required, Master's degree preferred;
• A minimum of 5 years' experience in commercial lending with a demonstrated ability to assess credit risk and structure and negotiate loan terms;
• Must have a track record of prospecting new business and enhancing existing relationships;
• Must have strong negotiating, sales and relationship building skills coupled with strong credit and financial analysis skills;
• Well-developed communication skills are a must;
• Membership in civic and professional organizations preferred.

OUR INVESTMENT IN YOU

BSNB offers a generous compensation and benefits package. This includes medical, dental, vision, company-paid life insurance, voluntary insurances, both a 401(k) plan with a company match and a pension plan, and tuition reimbursement.

We invest in you with a generous paid time off package along with 11 paid holidays. We believe providing a work-life balance is key to your success and investing in your professional development is an important aspect in your growth and satisfaction.

ABOUT BALLSTON SPA NATIONAL BANK

Established in 1838, we are proud to provide community banking to individuals, families, and businesses located in the greater Capital Region. Thirteen full-service banking offices provide products and services and digital capabilities geared towards meeting the needs of the markets we serve. As a community-minded financial institution, we make giving back and volunteer work a priority.

BSNB provides all employees and applicants an equal employment opportunity in the manner required by law in all aspects of employment regardless of race, color, religion, creed, national origin, age, sex, sexual orientation, gender identity or expression, marital status, military status, disability, predisposing genetic characteristics, domestic violence victim status or any other status protected by local, state, or federal law. BSNB is a VEVRAA employer and has a desire for priority referrals of protected veterans. We thank all applicants for their interest and will contact those candidates who are under consideration.