Association Banking Relationship Mgr

Valley Bank • Morristown, NJ

3h

About The Position

The Association Banking Relationship Manager is responsible for acquiring new clients and expanding existing relationships, responding promptly to referrals, and developing external referral networks. The role manages and services an assigned portfolio, cross-sells bank products, and is accountable for portfolio profitability, quality, and growth. It structures and negotiates lending agreements in accordance with bank credit policies, prepares and presents credit approval packages, monitors borrower financial information and credit quality, and oversees loan closings to ensure approved terms, documentation, and signatures are in place.

Requirements

• High school diploma or GED.
• At least 3 years of related lending and/or credit experience, with community and/or industry involvement in the area.
• Valid driver's license.
• Effective interpersonal, presentation, written communication, and verbal communication skills.
• Ability to prospect for new business, strengthen existing relationships, sell, and negotiate.
• Ability to review, analyze, and structure commercial loans; cross-sell bank products; attract new business through presentations; and respond to questions.
• Strong working knowledge of credit underwriting, basic accounting, and loan documentation.
• Ability to work independently or as part of a team to achieve departmental goals, using sound judgment in decision-making.
• Proficiency with Microsoft Word, Excel, and Outlook, as well as prospecting and tracking tools such as Salesforce, nCino, or similar systems.
• Familiarity with professional business practices, including time management, communication, and appearance.

Nice To Haves

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

Responsibilities

• Acquire new clients and expand relationships with existing clients; respond quickly and effectively to referrals from Senior Management, the branch network, and other areas of the bank.
• Develop external referral sources and centers of influence to attract new clients.
• Maintain, grow, and service assigned portfolios; cross-sell bank products; and drive portfolio profitability, quality, and growth.
• Negotiate lending agreement terms, including collateral, covenants, and pricing, and structure and price credit facilities consistent with bank policies and practices.
• Prepare effective credit approval packages and present them to the appropriate level of credit authority.
• Ensure current borrower financial information is obtained, analyzed, and filed; monitor and report changes in credit quality.
• Oversee the loan closing process and attend closings to verify that legal documents reflect agreed and approved terms and that required documents and signatures are in place.

What This Job Offers

• Job Type: Full-time
• Education Level: High school or GED