Comm Bnkg Relationship Mgr

Valley National Bank•Fort Lauderdale, FL

About The Position

The Commercial Banking Relationship Manager is responsible for developing new business, expanding relationships with existing clients, and managing an assigned portfolio. The role includes sourcing referrals, building external referral networks, cross-selling bank products, and driving portfolio profitability, quality, and growth. The position negotiates lending terms and structures credit facilities in accordance with bank policies and lending practices. It prepares credit approval packages, ensures current financial information is collected and analyzed, monitors credit quality, and oversees loan closings to confirm that 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 and presentation skills, and strong written and verbal communication skills.
Ability to prospect for 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.
Proficiency with Microsoft Word, Excel, and Outlook, and with 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

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

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, and structure and price credit facilities consistently with bank credit policies and lending practices.
Prepare credit packages for approval circulation and present them to the appropriate level of credit authority.
Ensure current client financial information is collected, properly analyzed, and on file.
Monitor and report changes in credit quality.
Oversee the loan closing process and attend closings to verify legal documents reflect agreed and approved terms, required documents and signatures are in place, and loans are properly closed.