ECDI - Relationship Manager

Under the direction of the Lending Management Team, the Relationship Manager I is responsible for sourcing new clients, building and maintaining relationships with existing clients, and providing counseling and solution-focused support to small business owners and entrepreneurs seeking financing for their businesses. The Relationship Manager I conducts outreach, develops new lending opportunities, and builds relationships with entrepreneurs, community partners, and other stakeholders throughout the assigned market area.

This position supports ECDI clients across programs and services.

This position will be based out of ECDI’s Dayton office and will serve the Greater Dayton region and surrounding communities, including portions of the Greater Cincinnati market. The Relationship Manager I is expected to maintain an active presence throughout the assigned service area to support client engagement, business development, outreach, and relationship-building activities.

This is a hybrid position requiring approximately 50% travel throughout the assigned market area. Work will be divided among the Dayton office, in-person client and community engagements, travel throughout the service area, and remote work as determined by manager direction and business needs.

The starting annual salary range for this position is $50,000-$60,000 Candidates for this position must be located in the Dayton Area.

• Work with clients to gather and synthesize information pertinent to approving and funding a commercial loan application such as business plans, financial statements, credit data, etc.
• Gather data necessary to complete application package and source documents for credit analysis of all loan applicants.
• Provide and document technical assistance to applicants while reviewing the application materials and supporting documentation as well as helping the credit team prepare the credit memorandum.
• Initiate contact with prospective loan applicants to determine if loan qualification standards are met.
• Develop and maintain referral sources of prospective small businesses located within target communities and in need of financing.
• Work with community partners, centers of influence, funding partners, and other small business ecosystem key stakeholders to expand ECDI’s presence and brand awareness in the market.
• Expand ECDI’s network throughout Franklin and surrounding counties.

• Coordinate with the underwriting and processing teams to prepare necessary reporting information (such as the request or need for credit, feasibility, and viability of success of the business, capacity to repay the loan, the degree of risk involved in extending the loan) and provide recommendations.
• Negotiate any remaining loan structuring elements.
• Prepare loan package for funding.
• Prepare and deliver a commitment letter to the applicant.
• Package the loan documents per the loan closing checklist once the commitment letter is signed and all required documents are received.
• Complete the loan closing process with borrowers.

• Provide continued support to clients by supporting their post loan requests and conducting technical assistance on an ongoing basis.
• Assist in portfolio management with servicing issues and borrower relationships during the entire life of the loan, including but not limited to collections, modifications of collateral, site visits, and annual reviews.
• Record data entry into CRM system, including but not limited to pre- and post-loan tracking, technical assistance provided, collections, other notes about client relationship etc.
• Responsible for meeting individual loan production goals established by the V.P. of Lending.

• Ensure…