VP, Commercial Relationship Manager

Ballston Spa National Bank•Town of Colonie, NY
•$91,000 - $150,000

About The Position

BSNB is seeking an experienced VP, Commercial Relationship Manager to expand existing commercial relationships, develop new business, and manage commercial loan and commercial real estate loan portfolios, with a focus on Commercial & Industrial (C&I) relationships. The role develops and maintains client relationships, analyzes clients’ financial and operating strategies, and recommends loans and banking products. The position grows the commercial portfolio by building new customer relationships and meeting or exceeding annual sales, revenue, and volume objectives. It also gathers financial and general business information from commercial clients, explains Bank products and services, and coordinates financial analyses to support credit decisions, including input on loan decisions based on credit risk and other key factors. BSNB describes its compensation and benefits package as generous, including medical, dental, vision, company-paid life insurance, voluntary insurances, a 401(k) plan with company match, a pension plan, tuition reimbursement, paid time off, and 11 paid holidays. The organization also emphasizes work-life balance and professional development.

Requirements

  • Bachelor’s degree in Business, Finance, or a related field.
  • At least 5 years of experience in commercial lending.
  • Demonstrated ability to assess credit risk and structure and negotiate loan terms.
  • Track record of prospecting new business and enhancing existing relationships.
  • Strong negotiating, sales, and relationship-building skills.
  • Strong credit and financial analysis skills.
  • Well-developed communication skills.

Nice To Haves

  • Master’s degree.
  • Membership in civic and professional organizations.

Responsibilities

  • Develop and maintain client relationships.
  • Analyze clients’ financial and operating strategies.
  • Recommend loans and banking products, with a focus on C&I relationships.
  • Grow the commercial portfolio by building new customer relationships.
  • Meet or exceed annual sales, revenue, and volume objectives.
  • Gather financial and general business information on commercial clients.
  • Explain Bank products and services to clients.
  • Coordinate financial analyses to support credit decisions.
  • Provide input on loan decisions based on evaluation of credit risk and other key factors.
  • Manage commercial loan and commercial real estate loan portfolios.

Benefits

  • Medical insurance
  • Dental insurance
  • Vision insurance
  • Company-paid life insurance
  • Voluntary insurances
  • 401(k) plan with company match
  • Pension plan
  • Tuition reimbursement
  • Paid time off
  • 11 paid holidays
  • Professional development
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