Business Relationship Manager

FLORIDA CREDIT UNION•Belleview, FL

2d•Onsite

About The Position

The Business Relationship Manager (BRM) develops and manages relationships with small-business members whose credit needs do not involve real estate. The BRM originates, structures, and coordinates non-real-estate commercial credit within established transaction, aggregate exposure, policy, and individual lending-authority limits. The role combines proactive business development, deposit-account opening, loan-application processing, portfolio management, and coordinated onboarding support. The BRM serves as a connector across the credit union: consumer borrowing needs are referred to Retail, commercial real estate opportunities are referred to Commercial Relationship Managers (CRMs), and treasury-management needs are referred to the AVP of Treasury Management.

Requirements

Three or more years of progressively responsible experience in business banking, small-business lending, commercial lending, credit analysis, or a closely related role.
Working knowledge of business financial statements, tax returns, cash-flow analysis, loan structuring, collateral, guarantees, and commercial loan documentation.
A current driver’s license.

Nice To Haves

Bachelor’s degree in business, finance, accounting, economics, or a related field, or an equivalent combination of education and relevant experience.

Responsibilities

Drive small business growth by proactively prospecting, building trusted relationships with local business owners, and deepening member relationships through tailored deposit, credit, and service solutions—while maintaining accurate activity records.
Manage the full commercial loan lifecycle—interviewing applicants, analyzing financial documentation, structuring credit requests within policy guidelines, and ensuring complete, compliant loan files from application through closing and funding.
Open and support new business deposit accounts in compliance with regulatory requirements, ensuring a smooth onboarding experience through proactive outreach, issue resolution, and member education on available products and services.
Proactively manage assigned relationships post-closing; monitoring risk indicators, ensuring covenant and documentation compliance, and supporting collections or workouts as needed—while adhering to all regulatory, BSA/AML, and fair-lending requirements and prioritizing credit quality over production volume.