Commercial Banking Relationship Mgr III

Valley National Bank•Fairfield, NJ

23h

About The Position

The Commercial Banking Relationship Manager III is responsible for developing new business, expanding existing client relationships, and managing an assigned commercial lending portfolio. The role oversees portfolio profitability, quality, and growth; structures and negotiates credit facilities consistent with bank policies; and ensures credit packages and supporting financial information are complete and properly analyzed. The position also monitors credit quality and oversees loan closings to ensure approved terms, legal documents, required documents, and signatures are in place.

Requirements

Excellent interpersonal and presentation skills, as well as written and verbal communication skills.
Proven track record of prospecting new business and enhancing existing relationships.
Ability to critically 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.
High school diploma or equivalent.
Minimum of 7 years of 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.
Bachelor's degree in Finance, Accounting, or a related business field.

Responsibilities

Acquire new clients and expand relationships with existing clients through business development.
Respond promptly 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, 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 consistent with bank policies and lending practices.
Prepare credit approval packages and present them to the required level of credit authority.
Ensure the bank has current client financial information, 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, required documents and signatures are in place, and loans close properly.