Small Business Relationship Manager

About the role

The primary objective of this position is business development, origination, underwriting, processing, documentation, monitoring, and servicing of 1 to 4 family – small investor properties (B1-4) portfolio to best serve the credit union and its members.

Responsibilities

• Interview B1-4 (1 to 4 family small investor properties) members requesting MBL services and input loan data into the system.
• Review analysis of financial statements, tax returns, and other pertinent member business information to determine repayment ability and business viability.
• Coordinate appraisal and analysis to ensure compliance with governing regulations and internal policies.
• Formulate loan decisions, document, and approve or disapprove loans within designated lending authority.
• Ensure protection of the credit union’s interest through adequate documentation and adherence to policies, laws, and regulations.
• File all pertinent documents to safeguard member business loans.
• Ensure proper recording of loan documentation.
• Execute loan extensions and changes to loan agreements upon proper approval.
• Manage collection and loan workout processes within the B1-4 portfolio when necessary.
• Establish a routine call program for members in the B1-4 portfolio for account reviews, marketing, and business development.
• Maintain complete knowledge of and ensure compliance with all laws and regulations governing B1-4 accounts.
• Cross-sell credit union services.
• Demonstrate understanding of and comply with regulations including Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Assets Control (OFAC), Customer Identification Program (CIP), and Member Due Diligence (MDD).
• Complete BSA/AML compliance training annually.
• Perform all other duties as assigned.

Relationships and Contacts

• Reports to: SVP Member Business Services.
• Frequent contact with members face-to-face and by telephone; tact and diplomacy are essential.

Requirements

• Bachelor’s degree.
• Five years of financial institution and/or accounting experience, including two years in business lending, investment property, or mortgage real estate.
• Proficient in Excel, Word, and the Internet.
• Strong written and verbal communication skills.
• Ability to learn the credit union member data system and phone system.
• Valid Texas driver’s license, means of transportation, and ability to travel independently.

Physical Requirements

• Wrist/hand manipulation; frequent viewing of computer monitor.
• Restriction to workstation for extended periods.

Mental Requirements

• Ability to perform job functions independently and work effectively alone or as part of a team.
• Ability to plan and direct own work activities and those of others.
• Ability to read and carry out complex written and oral instructions.
• Ability to speak clearly and deliver information logically.
• Capability to deal calmly and professionally with diverse personalities at various levels within and outside the organization.
• Highest levels of customer service and discretion when dealing with the public.
• Ability to work under stress, deadlines, and fast-paced environments with extreme accuracy.
• Capability to handle multiple, simultaneous, and changing priorities.
• Highest level of discretion on confidential matters.

Equipment Requirements

• Personal computer with Windows environment.
• Scanner, calculator, and copy machine.