Commercial Banking Relationship Mgr III

Valley Bank • Morristown, NJ

1d

About The Position

The Commercial Banking Relationship Manager develops new business and expands existing client relationships, manages and grows assigned portfolios, and supports portfolio profitability, quality, and growth. The role structures and negotiates commercial lending agreements in accordance with the bank’s credit policies, prepares packages for credit approval, and presents them to the appropriate credit authority. It also ensures current financial information is collected, analyzed, and maintained, monitors credit quality, and oversees loan closings to confirm that legal documents and required signatures and records reflect the terms agreed upon and approved by the bank.

Requirements

• High school diploma or equivalent.
• At least 7 years of related lending and/or credit experience, with community and/or industry involvement in the area.
• Valid driver’s license.
• Excellent interpersonal, presentation, written, and verbal communication skills.
• Proven track record in prospecting new business and enhancing existing relationships.
• Ability to critically review, analyze, and structure commercial loans; cross-sell bank products; and attract new business through effective presentations and responses 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, as well as 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 commercial 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 bank areas.
• Develop external referral sources and centers of influence to attract new clients.
• Maintain, grow, and service assigned portfolios; cross-sell other bank products and drive portfolio profitability, quality, and growth.
• Negotiate lending agreement terms, including collateral, covenants, and pricing, to structure and price credit facilities consistently with bank credit policies and lending practices.
• Prepare effective packages for credit approval circulation and present them to the required level of credit authority.
• Ensure current client financial information is obtained, properly analyzed, and kept 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED