USAmeriBancorp

Comm'l Relationship Manager III

USAmeriBancorp • $90K — $120K *
Los Angeles, CA 90011In-Person
Finance & Insurance
5 - 7 years of experience
More than 3 months ago
Job Overview by Ladders

Qualifications

  • 5-7 years of lending and/or credit experience, preferably with community involvement
  • Bachelor's degree in Finance, Accounting, or a related field (preferred)
  • Valid driver's license
  • Demonstrated ability in business development and relationship management
  • Strong analytical skills with proficiency in credit underwriting and loan documentation
  • High proficiency in Microsoft Office and CRM tools like Salesforce or nCino

Responsibilities

  • Drive business development by acquiring new clients and nurturing existing relationships
  • Develop and maintain a network of external referral sources to attract new clients
  • Manage and grow assigned portfolios while cross-selling additional bank products
  • Negotiate lending agreement terms and prepare credit approval documentation
  • Analyze current financial information and monitor credit quality changes
  • Oversee the loan closing process, ensuring all documents and signatures are finalized properly

Benefits

  • Access to a robust professional development program
  • Opportunity for career advancement in a dynamic banking environment
  • Comprehensive health and wellness programs
  • Flexible work arrangements available
  • Collaborative team culture that promotes autonomy and personal growth
Full Job Description
Responsibilities include but are not limited to:
  • Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank.
  • Develop network of external referral sources/centers of influence (COI's) in order to attract new clients.
  • Maintain, grow and service assigned portfolios and appropriately cross sell other bank products. Overall accountability for driving the profitability, quality, and growth of portfolio.
  • Negotiates 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 to present packages to the required level of credit authority.
  • Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file. Monitor and report changes in credit quality.
  • Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly.


Required Skills:
  • Excellent and effective interpersonal and presentation skills as well as written and verbal communication skills. Proven track record of prospecting new business and enhancing existing relationships.
  • Excellent ability to critically review, analyze and structure commercial loans, cross sell bank products, and attract new business through effective presentations and the ability to respond to questions.
  • Strong working knowledge of credit underwriting, basic accounting, and loan documentation. Formal credit training preferred.
  • Ability to work totally independently or as a team to achieve overall Departmental goals using sound judgement in decision making.
  • Proficient computer skills using Microsoft Word, Excel and Outlook as well as 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 equivalent and a minimum of 7 years of related lending and/or credit experience with community and/or industry involvement in the area.
  • Valid driver's license.
    Bachelor's degree in Finance, Accounting or business related study and/or formal Commercial Credit training 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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