USAmeriBancorp

Commercial Banking Relationship Manager

USAmeriBancorp • $70K — $95K *
Tampa, FL 33647In-Person
Finance & Insurance
5 - 7 years of experience
2 months ago
Job Overview by Ladders

Qualifications

  • Proven track record in business development and client relationship enhancement.
  • Strong skills in analyzing and structuring commercial loans.
  • Solid understanding of credit underwriting and loan documentation, with formal credit training preferred.
  • Ability to work independently or in a team effectively.
  • Tech-savvy with proficiency in Microsoft Office and CRM tools like Salesforce.
  • Familiar with professional business practices including time management and communication.

Responsibilities

  • Drive business development focused on acquiring new clients and deepening existing relationships.
  • Build a network of external referral sources to attract new clients.
  • Manage and service assigned portfolios to ensure profitability and growth.
  • Negotiate lending agreement terms and prepare packages for credit approvals.
  • Ensure the bank maintains current, accurate financial information and monitor credit quality changes.
  • Oversee the loan closing process, ensuring all legal documents and terms are properly executed.

Benefits

  • Collaborative work environment that encourages independent decision-making.
  • Access to professional development and credit training opportunities.
  • Opportunity to work closely with senior management and diverse teams across the bank.
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:
  • Strong 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.
  • Strong 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 GED.
  • Minimum of 5 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.

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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