Commerical Relationship Manager- Pasco & N. Pinellas Market

    • Job Tracking ID: 512439-705111
    • Job Location: Dunedin, FL
    • Job Level: Any
    • Level of Education: Any
    • Job Type: Full-Time/Regular
    • Date Updated: September 30, 2019
    • Years of Experience: Not Applicable
    • Starting Date: ASAP
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Job Description:

Responsible for working with members and potential members to identify business needs in all sectors of the credit union market within their assigned branches/market. This role is responsible for all credit union business members and potential members with emphasis on business lending & SBA lending programs. Additionally, they provide support, direction, credit information, and loan policies and procedures to ensure the overall quality and commitment to servicing our members and borrowers. Must participate in training annually, or as required for BSA and the Privacy Act.

  • Supports and exemplifies the stated values and behaviors of Achieva Credit Union's Vision, Mission and Code of Ethics.

  • Accomplishes tasks by considering all areas involved, no matter how small; shows concern for all aspects of the job; accurately checks processes and tasks; and follows through to meet expectations of all members, and potential members, you serve.

  • Performs all functions in accordance with all applicable laws and regulations, including but not limited the NCUA Regulations, Credit Policies, Policies & Procedures, and the SBA SOP.

  • Acquires general knowledge of Credit Union Business & SBA loan products and services in order to act as an ambassador of Achieva's Business Lending (including Small Business Loans/LOCs, Business Credit Cards, Business Lending & SBA Lending).

  • Ensures confidential, sensitive information and data of all potential members, the credit union, its members, potential members, and its employees is secured and disposed of in accordance with credit union policy guidelines established by each business unit.

  • Originates sufficient volume of quality Business Loans to meet established goals and objectives.

  • Discuss each loan request with the Business Lending Manager to determine viability of loan request; Interview applicants and requests specified information for loan application; requests credit reports, establishes eligibility, and other information pertinent to evaluation of loan application; gathers as much information about the loan request and determines whether to submit to underwriter to proceed with the application and approval process; and corresponds with or interviews applicant or creditors to resolve questions regarding application information. Performs site visits and provides photos of collateral, if any.

  • Assists Underwriter & Closing Specialist in collection of documents to complete the application & closing process.

  • Determines which documentation is required in accordance with both loan size and collateral. Responds accurately to member's/applicant's questions regarding the necessity of required documentation.

  • Forward all documents to Business Lending Admin & Closing Specialist, to be uploaded to the Business Lending P Drive for review by the underwriter.

  • Develops on-going relationship with member

  • Provides extensive Branch training of Business Lending Products

  • Works with branch team to promote Business Lending.

  • Provides branches with business member documentation to assist with opening the new Business Checking/Savings accounts

  • Attend Networking/Chamber events, identify referral sources (COI's) within market; prepare tracking system for follow up calls and reporting

  • Contacts prospective members when instructed by the branch team to discuss business lending products/business loan programs.

  • Maintains communication with members/applicants throughout process.

  • Updates CRM for all branch referrals to Business Lending in CRM’s market

  • Proactively welcoming each new business member to Achieva Credit Union, provide information on all Business Lending Programs.

  • Contact on a regular basis to identify areas or matters where Achieva Credit Union can assist the member, especially by surfacing member financial needs that may be fulfilled by our providing additional credit union products/services;

  • Assists members with inquiries and information requests, and resolves complaints relating to loan products and services offered.

  • Establish and maintain positive working relationships with our members and our vendors (Merchant Services, Financial Services) to provide information. Coordinates and participates in department projects as directed by senior management.

  • Supports ACU growth objectives by developing, presenting, negotiating and arranging significant member business lending opportunities.

  • Receives general supervision from Business Lending Manager, SBA Manager and Chief Lending Officer, and follows detailed departmental and governmental guidelines and procedures.

  • Extended hours may be required to accomplish organizational priorities and goals.

Experience and Skills:

High School Diploma or Equivalent required. 3-5 years of Business Development or Business Banking. Minimum two years of experience and knowledge of Business & SBA Lending, products & services. Knowledge of regulatory requirements and standards applicable to Business & SBA products, commercial lending and commercial real estate is required. Strong interpersonal skills and the ability to work with all levels of management and staff required. Excellent verbal and written communication skills to effectively communicate with business members and all levels within the organization. Excellent organizational skills with ability to handle multiple priorities, goal oriented, and excellent time management skills. Ability to develop strategies, make cold calls, and perform market analysis to identify referral sources (COI's). Must have the ability to identify and originate Commercial & SBA loans. Basic knowledge of Credit Analysis (able to complete Prescreen Analysis).