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 on commercial clients, explains bank products and services, coordinates financial analyses to support credit decisions, and provides input on loan decisions based on credit risk and other key factors.

Requirements

  • Bachelor’s degree in Business, Finance, or a related field.
  • A minimum of 5 years’ 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 commercial client relationships.
  • Expand existing commercial relationships and develop new business.
  • Manage commercial loan and commercial real estate loan portfolios, with a focus on C&I relationships.
  • Analyze clients’ financial and operating strategies and recommend loans and banking products.
  • Grow the commercial portfolio by building new customer relationships and meeting or exceeding annual sales, revenue, and volume objectives.
  • Gather financial and general business information on commercial clients and explain bank products and services.
  • Coordinate financial analyses to support credit decisions.
  • Provide input on loan decisions based on credit risk and other key factors.

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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