Commercial Relationship Manager II

Overview

Under the direction of the Director of Commercial Lending, the Commercial Relationship Manager II is responsible for managing and growing a portfolio of commercial business relationships with credit and deposit needs of $500K or more, ensuring the delivery of exceptional service and tailored financial solutions. This role involves building strong relationships with clients, understanding their needs, and providing expert advice to help them achieve their financial goals.

Key Responsibilities

• Proactively identify and pursue new business opportunities, expanding the member base and generating new deposits.
• Source and originate new commercial loans meeting credit quality standards.  Also ensuring compliance with credit union lending policies and regulations.
• Establish and maintain strong relationships with commercial members, act as primary point of contact.
• Conduct thorough financial analysis and risk assessment of accounts, providing recommendations for financial products and services (i.e. cash management, deposit, and investment).
• Manage and grow loan portfolio and conduct timely loan reviews and renewals. Ongoing advisor to portfolio of loans, including monitoring performance and identifying potential issues.
• Manage internal and external Centers of Influence (COI) such as CPA’s, commercial real estate brokers, and lawyers to develop new business.
• Attend industry events, conferences, and networking opportunities to promote the credit union.

Core Skill Competencies

• Communication: Excellent verbal and written communication skills, with the ability to present complex information clearly and persuasively.
• Analytical Thinking: Strong analytical skills, with the ability to interpret financial data and make sound decisions.
• Problem-Solving: Ability to identify and resolve issues related to everything between loan applications and client needs.
• Member Service: Commitment to delivering exceptional member service and building long-term business relationships.
• Time Management: Effective time management and organizational skills, with the ability to prioritize tasks and meet deadlines.
• Teamwork: Ability to work collaboratively with colleagues and contribute to a positive team environment.  This may include partnering with a defined market team (branch retail staff and BDO’s).
• Technical Proficiency: Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook).

Physical Demands

• Ability to sit for extended periods while working at a computer.
• Ability to lift up to 15 pounds.
• Occasional travel to meet with members and attend industry events or training sessions.

Qualifications

• Bachelor’s degree in business, Finance, Economics, or a related field.
• Ten or more years of work experience in retail, commercial banking or a related financial services field required.
• Five years of experience in managing a business loan portfolio required.
• Broad experience in managing a business loan portfolio is preferred.
• Experience in origination and processing small business loans.
• Formal credit training completion is a plus.