Business Development Manager

Vantage Credit Union is a member-owned, full-service financial institution based in St. Louis. Unlike publicly traded banks, Vantage operates as a not-for-profit organization, offering its members better rates, lower fees, and exceptional service. Guided by the philosophy of "Go Bankless!®," Vantage Credit Union prioritizes serving the needs of its members over generating profits for shareholders. The institution is federally insured by the NCUA, ensuring the safety and security of members' finances.

• Serve as the primary point of contact for business clients seeking deposit and lending solutions.
• Proactively identify and engage local businesses to promote deposit products, treasury services, merchant services and cross-sell business deposit accounts, debit cards, online banking, and lending services.
• Cross-sell and refer members / potential members to internal credit union business partners.
• Refer business owners to branch staff for account opening and onboarding support.
• Maintain a solid understanding of local economic factors impacting local businesses and provide feedback to lending leadership.
• Conduct outside sales calls and participate in community networking events to generate leads and deepen relationships.

• Collect and review business loan applications and supporting documentation.
• Coordinate with underwriting and credit teams to ensure timely and accurate loan assessments.
• Close and book loans, ensuring all documentation is complete and compliant.
• Monitor loan covenants and perform annual reviews as needed.

• Provide ongoing training to branch staff on business referral opportunities and services including account setup, documentation requirements, and product features.
• Function as a resource for branch staff on business documents, signing authority, check endorsements, and general procedures.
• Troubleshoot issues related to online banking, remote deposit capture, and ACH origination.

• Collaborate with Risk Management to resolve fraud cases and ensure timely communication of compliance updates to branches.
• Ensure adherence to lending laws, internal policies, and regulatory guidelines.

• Relationship management and consultative selling
• Business financial analysis and credit evaluation
• Training and coaching branch staff
• Problem-solving and operational troubleshooting
  
  Compliance awareness and risk mitigation

• Bachelor’s degree in Business Administration, Finance, or related field preferred.
• 3-5 years of experience in business banking, commercial lending, or financial services.
• Strong interpersonal and communication skills with a customer-first mindset.
• Proven ability to meet sales targets and manage client relationships.
• Familiarity with loan documentation platforms and core banking systems.
• Knowledge of ACH origination and remote deposit capture is a plus.

The position requires the following physical activities within varying environmental conditions:

• Occasionally remaining in a stationary position which may be standing or sitting for a prolonged period of time.
• Occasional travel or moving from one office location to another or from one department to another at the headquarters building.
• Occasional lifting, moving, or adjusting objects up to 20 pounds.
• Constant communication with others through various channels including verbal, email, and chat of which the last two may require consistent use of a keyboard and mouse or another electronic device.
• Work will be in a commercially reasonable temperature-controlled environment.
• Occasional temporary exterior site review which could be in outdoor elements of wind, rain, or snow.