Relationship Mgr Associate

At Valley Bank, we believe in people's growth potential. We invest in it. We protect it. We focus it. For nearly 100 years, we've been the Bank that clients from every industry turn to for our expertise, strategies, and advice--building the kind of trust that can fuel every goal. We are the leading relationship bank built for growth--with over $60 billion in assets, 3,800 experts, and more than 200 consumer branches and commercial banking offices in communities across the US.

At Valley, we're all driven by an ambition that goes deeper than just having a job. That's why when you work for us, we make it our goal to help you focus on what drives you--working to turn your passions and strengths into assets you can use to propel your ambitions and build the professional legacy you want. Because when we say we're a relationship bank built for growth, that's not just reserved for our clients--that includes all our associates as well.

The Commercial Banking Relationship Managers main responsibility is business development, credit quality, relationship development and retention and to be a liaison with other business line partners to meet their clients' Banking needs.

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Responsibilities include but are not limited to:

• Assist the Relationship Manager with their customer portfolios.
• Monitor and report changes in credit quality.
• Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority.
• Prepare and issue term sheet and commitment letters.
• Attend loan closings to ensure loans are properly closed.
• Follow past due payments and overdrafts.
• Ensure that lines of credit are renewed in a timely fashion. Obtain customer renewal term agreement and negotiate any differences.
• Respond to customer needs in a timely fashion.
• Ensure that customer requests with other departments are being properly followed, clearing all service issues.
• Oversee proper handling of customer transactions such as advances, payments, wire transfer, etc.
• Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file and that proper and complete credit files are on hand.
• Provide reports of information as required.
• Review documentation prepared by legal counsel as to their accuracy meeting all requirements of loan requests.
• Provide problem resolution.
• Assure that credits are accurately risk rated and credits are properly monitored and reported.
• Create and maintain current BSA Information.
• Adhere and comply with all requirements of watch list and EDD procedures.

Required Skills:

• Knowledge of credit underwriting, basic accounting and loan documentation.
• Proficient computer skills using Microsoft Word, Excel and Outlook.
• Good level of interpersonal and social skills needed to interact with customers.
• Good personal time management skills.
• Good mathematical skills.
• Ability to manage account relationships.
• Good credit skills.
• Ability to write reports and business correspondence.
• Ability to effectively present information and respond to questions.

Required Experience:

• High School Diploma and a minimum of one year of account management or credit underwriting experience.
• Community and/or industry involvement in territory.
• Bachelor's degree preferred.

Full-time

Exempt

We provide a comprehensive and competitive total rewards package including base salary determined by factors such as the role, relevant experience, skill set, and geographical location. Eligible positions may also be eligible to receive commission-based compensation and/or discretionary incentive compensation, which may be awarded as cash or forfeitable equity, recognizing individual…