AVP Business Development; West

Business Development Representative

This position will support the West Branch territory (Shamokin Dam, Sunbury, Montandon, Lewisburg, Mifflinburg, Muncy, & Loyalsock)

Role:

Responsible for the development, execution, and monitoring of the credit unions business development plan as it relates to member business loan, deposit and account services. Expands market penetration, member business relationships and generates new business relationships. Individually contributes to the achievement of the credit unions loan, deposit and membership growth and member satisfaction goals. This position is eligible for a hybrid work from home schedule, as set and approved by the positions manager in accordance with the credit unions Remote Work policy.

Essential Functions & Responsibilities:

- Implements a business development calling program that includes contacting existing business members to maintain and expand account relationships and contacting prospective members to develop new business.

- Serve as a subject matter expert as it relates to the credit unions business deposit accounts and services. Provide input to the CLO and CXO on the development, growth and soundness of these products.

- Takes applications for loan business. Reviews member financial condition and assesses the members ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans.

- Maintains high product knowledge by learning new selling techniques, new products and market trends and competitor products and services.

- Performs other job-related duties as assigned.

Performance Measurements:

- Under the direction of the VP Member Business Services and in conjunction with the Member Business Loan Officer, develop strategic goals and targets for new and existing business development and member business relationships.

- Promote credit union membership and services to businesses; including loans, deposit accounts and account services. Travel on a regular basis to visit potential and existing member business clients, branch locations and Select Employee Groups (SEGs) to present account services and solutions and ensure level of service meets credit unions quality service standards.

- Works in coordination with market managers and other credit union employees as needed to support business development, expand SEG relationships and support member business service growth across all credit union market areas.

- Plan and develop credit union activities and events to further business development efforts. Maintain involvement in community efforts. Be a visible presence in the local communities. Promote and represent the credit union through active participation in business, community, and chamber of commerce events as well as charitable organization programs and events throughout the credit unions market areas.

- Suggest and participate in the development of marketing strategies for use in promoting the credit unions member business lending, deposit and account services to area businesses. Identify and recommend ways to continuously enhance the credit unions reputation and image as it relates to member business products and services.

- Assist the CLO, CXO and VP Member Business Services in the creation and implementation of new member business solutions.

- Provide informed, prompt, professional and accurate service and support to all members, potential members, business contacts and associates.

- Within approved loan authority, interview loan applicants, determine collateral needs and payment plans, review and analyze loan request, decision or recommend the request and continue with processing the loan through to satisfaction and closing. Disburse funds, and mail notices following federal and Credit Union laws, regulations and policies. Communicate frequently with credit union lending support employees and CUSO staff.

- Assist in the collection of member business account delinquencies as required.

- Assist the VP Lending in maintaining an active and on-going call program for realtors in our market area. Includes market managers in call program when appropriate.

- Maintain a detailed record of member business contacts made and keep Outlook calendar up to date with appointments, meetings, work locations, and off site commitments. Communicating regularly with supervisor on status and results of business development activities.

- Assists in the business development plans and preparations when opening new branches.

- Serves as a back up to the Member Business Loan Officer as needed.

- Maintain an excellent knowledge of financial products and services offered by the credit union and be knowledgeable of competitors services in order to provide the best service and support possible to members and potential members.

- Maintain a thorough knowledge of state and federal laws related to commercial lending, including any federal or state reporting requirements. Maintain a current understanding of lending…