AVP, Small Business Relationship Manager

Navigant Credit Union•Lincoln, RI

About The Position

The AVP/Commercial Small Business Relationship Manager develops and manages small business relationships through proactive business development, lending, and portfolio management. The role focuses on originating loans generally up to $500,000, growing deposits, expanding cash management services, and delivering customized financial solutions to local businesses. The position partners with internal business units to provide an exceptional member experience while maintaining strong credit quality and regulatory compliance.

Requirements

Bachelor of Arts or Bachelor of Science degree in Business, Finance, Accounting, or a related field.
A minimum of 4 to 6 years of business banking, commercial lending, or small business lending experience.
Strong business development, consultative sales, and relationship management skills, including the ability to develop referral sources and Centers of Influence.
Knowledge of commercial credit analysis, financial statement and cash-flow analysis, collateral evaluation, loan structuring, and documentation requirements.
Experience managing business relationships and monitoring loan portfolios to identify financial needs and emerging credit risk.
Strong knowledge of business deposits, cash management, merchant services, business credit cards, and related financial products and services.
Knowledge of applicable commercial lending laws and regulations, lending policies, credit standards, compliance requirements, and sound risk management practices.
Strong service orientation aligned with the Credit Union's mission and core values.
Excellent verbal, written, presentation, negotiation, and interpersonal communication skills, including the ability to collaborate effectively across business units.
Proficiency in Microsoft Office and relevant loan origination, lending, portfolio management, and CRM systems.

Nice To Haves

SBA lending experience.
Ability to travel within the assigned market as needed.

Responsibilities

Develop new small business relationships and maintain a lending and deposit opportunity pipeline through prospecting, networking, referrals, community involvement, targeted outreach, and follow-through.
Originate, structure, and manage business loans generally up to $500,000, including term loans, lines of credit, commercial real estate and equipment financing, and SBA loans.
Analyze financial statements, tax returns, cash flow, and collateral to assess creditworthiness and prepare and present credit recommendations in accordance with lending policies.
Manage an assigned business relationship portfolio through monitoring, relationship reviews, and proactive identification of financial needs and emerging risks while maintaining credit performance, portfolio quality, documentation, member service, and retention.
Grow operating deposits and product penetration by identifying, referring, and converting opportunities for cash management, business credit cards, merchant services, online banking, fraud prevention, and other financial solutions.
Develop and maintain referral networks with Centers of Influence, including CPAs, attorneys, business brokers, and commercial real estate professionals.
Build internal referral partnerships and collaborate with branches, Cash Management, Credit Cards, Residential Mortgage, Investment Services, Commercial Lending, Operations, and Compliance to support relationship growth, member retention, and expanded member wallet share.
Represent the Credit Union at chambers of commerce, professional organizations, networking events, sponsorships, and community activities to strengthen referrals and local market presence.
Ensure adherence to lending policies, regulatory requirements, credit standards, documentation requirements, member service expectations, and sound risk management practices.
Perform other duties as assigned by the VP, Relationship Manager Team Lead.