Relationship Manager

Duties And Responsibilities

• Assumes responsibility for the effective and professional completion of assigned business services functions.
• Focuses primarily on smaller and less complex lending relationships.
• Interviews, takes applications, and processes preliminary documentation on business loan requests.
• Discusses loan alternatives, credit criteria, interest rates and loan documentation in such a manner as to elicit positive responses from members.
• Analyzes and evaluates loan requests and prepares written submission for consideration by the Business Loan Committee or underwriter.
• Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems.
• Assists in review of construction loan advances on commercial properties, as needed.
• Conducts property inspections as assigned as well as annual site visits.
• Follows-up and collects updated documents needed to renew matured loans.
• Completes lending functions in accordance with established Credit Union policies and legal requirements.
• Works with businesses to establish and grow deposit relationships.
• Offers business credit cards and merchant card services to all eligible business members.
• Works within a Market Area Team toward meeting multiple-product goals including business and personal products.
• Assumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals.
• Answers questions and resolves requests.
• Keeps borrowers informed of Credit Union loan policies and services.
• Maintains and projects the Credit Union’s professional reputation.
• Cultivates Credit Union presence in the community by regularly representing Credit Union at business group meetings, Chambers of Commerce, networking groups, etc. in the Credit Union’s major markets.
• Assumes responsibility for establishing and maintaining effective communication, coordination and working relations with Credit Union personnel and with management.
• Coordinates functions with related departments and branches and provides support as needed.
• Assists Business Development personnel and provides support with Select Employee Groups (SEGs) as needed.
• Keeps management informed of area activities and of any significant problems.
• Attends and participates in meetings and committees as required.
• Completes required reports and records.
• Completes special projects as assigned.
• Affords assistance in the development of new products/services.
• Performs all duties in a manner that is fully compliant with applicable industry regulations as well as KEMBA policy and procedures.
• Develops an understanding of Credit Union history, philosophy, organization, policies, and operational procedures.
• On a self-direct basis, continues to improve individual level of competency through training and certification on established educational programs.
• Relates to others beyond giving and receiving instructions:
• Communicates with coworkers or peers without exhibiting behavioral extremes.
• Performs work activities requiring negotiating, instructing, supervising, persuading, or speaking with others.
• Responds appropriately to criticism from a supervisor.

Required Qualifications

• Undergraduate degree in Business or a related field, or equivalent combination of training and work experience.
• Understanding of financial analysis and determination of credit worthiness.
• One to three years of business banking or commercial lending experience.
• Excellent communication and public relations skills.
• Strong analytical abilities.