Relationship Manager III

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Reports to:

Vice President of Commercial Services

Status:
Exempt

The Relationship Manager II is responsible for developing, managing, and growing a portfolio of business members by delivering comprehensive commercial lending, deposit, and treasury management solutions for large and complex business and lending relationships.

This role serves as a trusted advisor to business members, providing proactive financial guidance while ensuring an exceptional member experience. The Commercial Relationship Manager also plays a key role in business development through active community engagement, building strong Centers of Influence (COI) networks, and referring opportunities across the credit union.

• Develops and manages a portfolio of commercial relationships by delivering customized loan, deposit, and treasury management solutions.
• Proactively prospects new business members through referrals, networking, COI relationships, and targeted outreach, including site visits as needed.
• Builds, maintains, and leverages a strong network of Centers of Influence (e.g., CPAs, attorneys, realtors, brokers, and community leaders).
• Serves as a trusted advisor to business members, understanding their goals and providing strategic financial solutions to support growth.
• Structures and recommends/prequalifies commercial loan opportunities in alignment with credit policy and risk guidelines.
• Prepares written submission for consideration to underwriters and the Business Loan Committee; acts as liaison between member and underwriting throughout process on any questions or documentation needs.
• Meets with applicants whose loans are denied and explains reasons and alternatives, as needed.
• Identifies and refers appropriate treasury management products to improve member cash flow, efficiency, and fraud mitigation.
• Collaborates with internal partners to deliver integrated solutions across lending, deposits, and business services.
• Manages assigned loan and deposit portfolios to grow and deepen relationships as well as ensure credit quality, portfolio performance, and compliance with policies.
• Conducts ongoing relationship reviews and proactively takes action to retain maturing loans.
• Proactively identifies potential credit concerns and recommends mitigation strategies.
• Delivers a high-quality, consultative member experience with timely responsiveness and clear communication.
• Refers business and consumer opportunities to appropriate credit union partners, including retail, wealth management, mortgage, and specialty lines of business.
• Partners closely with credit administration, treasury management, branch teams, and operations to ensure seamless execution and service delivery.
• Stays informed on changes in lending standards and related legal requirements.
• Serve as a commercial subject-matter expert on organization-wide initiatives, providing insight on business member needs, product alignment, and operational impacts.
• Identify opportunities to enhance the business member experience by evaluating end-to-end processes, removing friction points, and recommending scalable solutions.
• Support implementation and adoption of new products, services, or tools, ensuring alignment with member expectations and internal capabilities.
• Participate in and lead cross-functional credit union initiatives, enterprise projects, and committees focused on growth, efficiency, risk management, and member experience improvement.
• Assists in the development of new and less experienced Relationship Managers.
• Performs all duties in a manner that is fully compliant with applicable industry regulations as well as KEMBA policy and procedures.
• Develops an understanding of Credit Union history, philosophy, organization, policies, and operational procedures.
• On a self-direct basis, continues to improve individual level of competency through training and certification on established educational programs.
• Relates to others beyond giving and receiving instructions:
  • Communicates with coworkers or peers without exhibiting behavioral extremes.
  • Performs work activities requiring negotiating, instructing, supervising, persuading, or speaking with others.
  • Responds appropriately to feedback.
• Performs other duties as required by…