USAmeriBancorp

Business Banking Relationship Manager

USAmeriBancorp • $70K — $95K *
Paramus, NJ 07652In-Person
Finance & Insurance
Less than 5 years of experience
1 week ago
Job Overview by Ladders

Qualifications

  • Excellent interpersonal and communication skills (written and verbal).
  • Strong numerical aptitude for calculating discounts, interest, and percentages.
  • Demonstrated ability to manage multiple projects while meeting deadlines.
  • Proven organizational skills to prioritize assignments effectively.
  • Intermediate proficiency in Microsoft Office and sales tracking software like Salesforce.
  • High school diploma or GED with at least 3 years of related lending sales experience; a degree in Business, Accounting, or Finance is preferred.

Responsibilities

  • Conducts business development activities to generate new loan and deposit opportunities.
  • Manages client relationships, ensuring their needs are met through service and support.
  • Builds a strong referral network with commercial agents, accountants, and attorneys.
  • Collaborates with bank associates and vendors to cross-sell products and services.
  • Provides exceptional customer service and problem resolution for existing clients.
  • Engages in community activities to promote the bank's services and strengthen community ties.
  • Analyzes borrower details to establish creditworthiness and negotiates credit terms.

Benefits

  • Opportunity to participate in civic and community engagement activities.
  • Comprehensive support for career development and relationship management.
  • Access to a variety of bank products and services for clients.
Full Job Description
Responsibilities include but are not limited to:
  • Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs.
  • Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met.
  • Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's).
  • Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships.
  • Actively collaborates with other lines of business to ensure the clients specific needs are met.
  • Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls.
  • Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line.
  • Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners.
  • Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties.
  • Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit.
  • Monitor outstanding loans and take necessary collection actions on past dues.
  • Educates the borrower on business line process, structure, and set expectations.
  • Analyzes, determines eligibility, originates, and structures loan requests.
  • Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed.
  • Recommends approval of customer applications for commercial loans.


Required Skills:

  • Excellent interpersonal skills and written and verbal communication skills.
  • Ability to calculate figures and amounts such as discounts, interest and percentages.
  • Ability to work independently, manage multiple projects and meet deadlines.
  • Ability to prioritize and organize assignments while working on multiple projects simultaneously.
  • Intermediate PC skills, knowledge of Microsoft Office software, and referral tracking programs, such as Sales Force.

Required Experience:
  • High School diploma or GED with a minimum of 3 years of related bank lending sales experience or a combination of sales/credit analysis experience.
  • Bachelor's degree in Business, Accounting or Finance with a minimum of 3 years of bank lending sales experience and a minimum of 1 year of credit analysis experience is preferred.

About USAmeriBancorp

Valley National Bancorp, doing business as Valley Bank, is a regional bank holding company headquartered in Wayne, New Jersey with approximately $42 billion in assets. Its principal subsidiary, Valley National Bank, currently operates over 230 branch locations in northern and central New Jersey, the New York City boroughs of Manhattan, Brooklyn, and Queens, as well as Long Island, Florida, and Alabama. Valley Bank holds approximately $29 billion in assets. ,Valley Bank is one of the largest commercial banks headquartered in New Jersey.
Learn more about USAmeriBancorp
Industry
Legal & Accounting
* Ladders Estimates

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