Relationship Manager

As a Business Banker, you will develop and manage client accounts for the Business Banking Division, ensuring that these accounts meet established requirements, achieve maximum profitability, and maintain minimal risk. Responsibilities Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively to all new business referrals from Senior Management, the branch network, or other areas of the bank. Develop a network of external referral sources / centers of influence (COI) to attract new clients. Maintain, grow, and service assigned portfolios, appropriately cross‑sell other bank products, and be overall accountable for driving the profitability, quality, and growth of the portfolio. Negotiate terms (collateral, covenants, pricing, and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank's credit policies and lending practices. Prepare effective packages for credit approval circulation and present them to the required level of credit authority. Ensure the bank possesses current financial information, properly analyzes it, and files it; monitor and report changes in credit quality. Bear overall responsibility for the loan‑closing process and attend loan closings, ensuring legal documents reflect all terms as agreed and that required documents and signatures are in place for proper closure. Required Skills Effective interpersonal and presentation skills, including written and verbal communication. Ability to prospect new business and enhance existing relationships. Ability to sell and negotiate. Ability to review, analyze, and structure commercial loans, cross‑sell bank products, and attract new business through effective presentations and responsive answers to questions. Strong working knowledge of credit underwriting, basic accounting, and loan documentation. Formal credit training preferred. Ability to work independently or as a team to achieve overall departmental goals using sound judgment in decision making. Proficient computer skills using Microsoft Word, Excel, Outlook, and prospecting/tracking tools such as Salesforce, nCino, or similar systems. Familiarity with professional business practices (time management, communication, and appearance). Required Experience High School diploma or GED. Minimum of 3 years related lending and/or credit experience with community and/or industry involvement in the area. Valid driver’s license. Preferred Experience Bachelor’s degree in Finance, Accounting, or business-related study and/or formal Commercial Credit training. #J-18808-Ljbffr Valley Bank