Comm Bnkg Relationship Mgr

Valley Bank•Fort Lauderdale, FL

About The Position

The Commercial Banking Relationship Manager develops new business and expands relationships with existing clients while managing and growing an assigned portfolio. The role is accountable for the portfolio’s profitability, quality, and growth, and for cross-selling other bank products. The manager structures and negotiates lending agreements in accordance with the bank’s credit policies and lending practices, prepares credit packages for approval, and presents them to the appropriate credit authority. The role also ensures current financial information is collected, analyzed, and maintained; monitors and reports changes in credit quality; and oversees loan closings to confirm legal documents, terms, required documentation, and signatures are complete and accurate.

Requirements

High school diploma or GED.
At least 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 communication, 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.
Proficiency with 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.

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 assigned portfolio.
Negotiate lending agreement terms, including collateral, covenants, and pricing, to structure and price credit facilities consistently with bank policies and lending practices.
Prepare credit approval packages and present them to the required level of credit authority.
Ensure current financial information is obtained, 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 that required documents and signatures are in place.