Comm Bnkg Relationship Manager II

About the role

At Valley Bank, we believe in people's growth potential. We invest in it, protect it, and focus it. For nearly 100 years, we've been the bank clients from every industry turn to for expertise, strategies, and advice—building trust that fuels every goal. As a leading relationship bank with over $60 billion in assets, 3,800 experts, and more than 200 branches across the US, we're driven by an ambition deeper than just a job. The Commercial Banking Relationship Manager’s main responsibility is business development, credit quality, relationship development and retention, and serving as a liaison with other business line partners to meet clients' banking needs.

Responsibilities

• Business development with a focus on acquiring new clients and expanding relationships with existing clients.
• Respond quickly and effectively to new business referrals from Senior Management, the branch network, or other areas of the bank.
• Develop a network of external referral sources/centers of influence (COIs) to attract new clients.
• Maintain, grow, and service assigned portfolios while appropriately cross-selling other bank products.
• Drive the profitability, quality, and growth of the portfolio.
• Negotiate terms (collateral, covenants, pricing, and other components) of lending agreements with clients/prospects to structure and price credit facilities consistent with the bank’s credit policies.
• Prepare effective credit approval packages and present them to the required level of credit authority.
• Ensure the bank has current financial information, properly analyzed and on file, and monitor/report changes in credit quality.
• Oversee the loan closing process, attend loan closings, ensure legal documents reflect agreed-upon terms, and verify all required documents and signatures are in place.

Requirements

• High School diploma or GED.
• Minimum of 5 years of related lending and/or credit experience with community and/or industry involvement in the area.
• Valid driver’s license.

Skills

• Strong and effective interpersonal, presentation, written, and verbal communication skills.
• Proven track record of prospecting new business and enhancing existing relationships.
• Ability to critically review, analyze, and structure commercial loans, cross-sell bank products, and attract new business through effective presentations.
• Strong working knowledge of credit underwriting, basic accounting, and loan documentation (formal credit training preferred).
• Ability to work independently or as part of a team to achieve departmental goals using sound judgment in decision-making.
• Proficient computer skills using Microsoft Word, Excel, Outlook, and prospecting/tracking tools such as Salesforce, nCino, or similar systems.
• Familiarity with professional business practices (time management, communication, and appearance).

Preferred Qualifications

• Bachelor’s degree in Finance, Accounting, or a business-related field.
• Formal Commercial Credit training.