Business & Commercial Relationship Manger

Responsibilities

• Primarily responsible for originating, reviewing, and evaluating commercial loan requests including CRE, C&I, and equipment financing to determine if the deal makes sense from a risk and credit perspective
• Proactively develop commercial relationships to include deposit and treasury management services
• Review loan applications for eligibility and ensure new requests are consistent with policy guidelines
• Request documentation, build applicant/member loan files, and review credit information for completeness
• Exercises due diligence and consider an underwriting philosophy to include risk, experience, collateral, cash flow, liquidity, and profitability analysis to assure it aligns with the Credit Union’s lending policy
• Prepare written summary of loan terms, conditions, and due diligence explaining the credit request to assure the underwriting team has a clear understanding of the business background and justifications for advancing the credit for formal approval, and assigned risk rating
• Improve the condition and performance of the loan portfolio by reducing delinquencies through enhanced collection strategies and strengthened underwriting techniques
• Develop and maintain business relationships and referral sources throughout the community
• Proactively expand product utilization among existing members by cross-selling retail/consumer deposit accounts, loans, and other financial services during member interactions and interviews
• Respond promptly, professionally and accurately to inquiries and concerns from members and internal partners

Qualifications

• Advanced ability to evaluate borrower creditworthiness, assess repayment capacity, and identify/mitigate credit risks
• Proven ability to build and maintain strong relationships with members and prospects
• Proactively cross-selling other credit union services
• Skill in monitoring loan portfolios, identifying early warning signs of delinquency, and implementing effective collection and workout strategies
• Excellent verbal and written communication skills with the ability to present complex credit recommendations clearly to credit committees, members, and internal stakeholders
• Strong consultative selling skills focused on identifying member needs and expanding product utilization
• Ability to ensure all lending activities comply with policies, procedures, and applicable regulations while maintaining sound risk controls
• Demonstrated ability to manage a pipeline of commercial loans while delivering timely, professional responses to members and internal inquiries