Commercial Relationship Manager

Beginnings Credit Union (Beginnings) is in search of a professional, outgoing Commercial Relationship Manager. The successful candidate will be an active member of the Credit Union’s sales/service commercial lending department by providing commercial customers with direct service relating to the Credit Union’s commercial service portfolio, developing customer relationships, and generating and maintaining a profitable quality commercial loan portfolio. In addition, this individual will be actively involved in supporting and enriching our community through community involvement efforts.

Job Responsibilities

• Works as an active member of the Credit Union’s sales/services lending department as follows:
• Jointly establishes quantitative sales objectives, with supervisor on an annual basis.
• Solicits new business from present and prospective customers; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
• Provides sales information on a timely basis in order that this information may be included as part of monthly and year-to-date sales performance reports.
• Monitors individual sales performance versus objectives on a monthly basis utilizing Credit Union’s sales information system; discusses performance with appropriate supervisor on a frequent basis.
• Maintains a thorough knowledge of the features and benefits of all Credit Union commercial credit products and services, in order to ascertain customer needs and to sell in conjunction with these needs.
• Provides direct service to commercial customers with respect to deposit, loan, and other miscellaneous products and services, if applicable, approves or rejects loan applications within individual lending authority.
• Prepares various forms and reports and provides information as requested from appropriate supervisor or departments.
• Maintains a working knowledge of credit union operating policies and procedures which impact commercial services. Maintains working knowledge of Credit Union’s compliance procedures/policies.
• Ensure that all required documentation has been completed for underwriting and maintains working knowledge of loan documentation procedures.
• Responsible for early detection, reporting, and monitoring of problem credit. Responsible for quality of own loan portfolio. Maintains relationships with members through the collection of debt.
• Assists customers in obtaining specialized services from other Credit Union’s business partners, such as Insurance, Wealth Management etc.; provides help to customers with specific inquiries of service problems.
• Follow up with all members with a reasonable amount of time on various issues.
• May attend sales and trade meetings as the Credit Union’s representative to develop new business and to gain information and leads on prospective accounts.
• Develop new sources of business by networking with potential business members at chamber events, business trade shows and other similar events.
• Actively volunteer at both sponsored and non-sponsored Community Events as appropriate.
• Responsible for overall management of assigned portion of loan portfolio by maintaining a consistent relationship with borrowers. Conducting site visits as needed for underwriting, obtaining financials from borrowers for annual reviews and maintaining updated loan records.
• All other duties as assigned.

Requirements

• 5+ years of loan production in commercial and real estate lending.
• (1) A two-year college degree or (2) Completion of a specialized course of study at a business or trade school or (3) Completion of a specialized and extensive in-house training or apprenticeship program.
• A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Work may involve motivating, influencing or training others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
• Must have experience in analyzing…