Association Banking Relationship Mgr

Valley National Bank•Remote, TX

About The Position

The Association Banking Relationship Manager is responsible for acquiring new clients, expanding existing relationships, and managing an assigned portfolio. The role develops internal and external referral networks, responds to new business opportunities, cross-sells bank products, and drives portfolio profitability, quality, and growth. The position structures and negotiates lending agreements in accordance with the bank’s credit policies, prepares credit approval packages, and ensures current financial information is analyzed and maintained. It monitors changes in credit quality and oversees loan closings, including confirming that legal documents reflect agreed and approved terms and that required documents and signatures are in place.

Requirements

High school diploma or GED.
Minimum of 3 years of related lending and/or credit experience.
Community and/or industry involvement in the area.
Valid driver's license.
Effective interpersonal, presentation, written, and verbal communication skills.
Ability to prospect new business and enhance existing relationships.
Ability to sell and negotiate.
Ability to review, analyze, and structure commercial loans, cross-sell bank products, attract new business through effective 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.
Proficient computer skills, including Microsoft Word, Excel, and Outlook, and prospecting or tracking tools such as Salesforce, nCino, or similar systems.
Familiarity with professional business practices, including time management, communication, and appearance.

Nice To Haves

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

Responsibilities

Acquire new clients and expand relationships with existing clients.
Respond promptly and effectively to new business 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, and cross-sell other bank products.
Drive the profitability, quality, and growth of the portfolio.
Negotiate lending agreement terms, including collateral, covenants, and pricing, to structure and price credit facilities in accordance with bank policies and lending practices.
Prepare effective packages for credit approval circulation and present them to the required level of credit authority.
Ensure current financial information is maintained, properly analyzed, and on file.
Monitor and report changes in credit quality.
Oversee the loan closing process and attend closings to ensure legal documents reflect agreed and approved terms and required documents and signatures are in place.