Association Banking Relationship Mgr

Valley Bank•Vero Beach, FL

About The Position

This role is responsible for business development with a focus on acquiring new clients and expanding relationships with existing clients. The position involves responding quickly and effectively to new business referrals, developing external referral sources, and maintaining, growing, and servicing assigned portfolios. A key aspect of the role is driving the profitability, quality, and growth of the portfolio through effective cross-selling of bank products. The Relationship Manager will negotiate terms of lending agreements, prepare credit approval packages, and ensure the bank has current financial information and proper analysis on file. Additionally, this role oversees the loan closing process, ensuring legal documents accurately reflect agreed-upon terms and that all necessary documentation and signatures are in place for proper loan closure.

Requirements

Effective interpersonal and presentation skills as well as 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, and attract new business through effective presentations and the ability to respond to questions.
Strong working knowledge of credit underwriting, basic accounting, and loan documentation.
Ability to work independently or as a team to achieve overall Departmental goals using sound judgement in decision making.
Proficient computer skills using Microsoft Word, Excel and Outlook as well as prospecting/tracking tools such as Salesforce, nCino or similar systems.
Familiarity with professional business practices (time management, communication and appearance).
High School diploma or GED.
Minimum of 3 years related lending and/or credit experience with community and/or industry involvement in the area.
Valid driver's license

Nice To Haves

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

Responsibilities

Business development with a focus on acquisition of new clients and expanding relationships with existing clients.
Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank.
Develop network of external referral sources/center of influence (COI's) in order to attract new clients.
Maintain, grow and service assigned portfolios and appropriately cross sell other bank products.
Overall accountability for driving the profitability, quality, and growth of portfolio.
Negotiates 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 to present packages to the required level of credit authority.
Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file.
Monitor and report changes in credit quality.
Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly.