Commerical Banking Relationship Manager III

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 that clients from every industry turn to for our expertise, strategies, and advice—building the kind of trust that can fuel every goal. As a leading relationship bank built for growth, Valley has over $60 billion in assets, 3,800 experts, and more than 200 consumer branches and commercial banking offices across the US.

The Commercial Banking Relationship Manager’s main responsibility is business development, credit quality, relationship development and retention, and acting as a liaison with other business line partners to meet clients' banking needs.

Responsibilities

• Business development with a focus on acquisition of new clients and expanding relationships with existing clients.
• Respond quickly and effectively to all 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 properly structure and price credit facilities consistent with the bank's credit policies and lending practices.
• Prepare effective packages for credit approval circulation and present packages to the required level of credit authority.
• Ensure the bank possesses 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 all agreed-upon terms, and verify required documents and signatures are in place for proper loan closing.

Requirements

• High School Diploma or equivalent and a minimum of 7 years of related lending and/or credit experience with community and/or industry involvement in the area.
• Valid driver's license.

Bachelor's degree in Finance, Accounting, or a business-related study and/or formal Commercial Credit training preferred.

Skills

• Excellent interpersonal, presentation, 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.
• 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).