Business Services Specialist

Uniwyo Federal Credit Union•Laramie, WY

About The Position

Under the direction of the VP Business Services, the Business Services Specialist supports and develops new and existing business relationships, assists with business deposit accounts and Treasury Management services, facilitates onboarding, and coordinates lending opportunities with the Lending Department. The position provides primary relationship, operational, and administrative support to the credit union’s business members and supports growth of the business portfolio through relationship development, account onboarding, Treasury Management administration, commercial lending coordination, and member service to small-to-medium-sized businesses. The role coordinates setup, testing, and ongoing support for business banking and payment services; maintains related agreements, authorizations, access, limits, and documentation; and works with internal teams and vendors to resolve issues. It develops member relationships, identifies deposit, Treasury Management, and lending opportunities, maintains prospect and referral records, and supports pipeline reporting. The specialist serves as a primary contact for business members and an internal resource for branch and member-facing staff, while educating members on services, payment procedures, security, and fraud prevention. The position also supports business account and lending relationships by reviewing organizational and legal documents, collecting and maintaining account and loan-file information, and coordinating financial updates, insurance certificates, loan documentation, and covenant documentation. Lending retains responsibility for underwriting, credit approval, pricing authority, and portfolio quality. The specialist ensures relevant activities comply with applicable regulations and credit union policies and performs other duties as assigned or required.

Requirements

Associate degree in business, finance, accounting, or a related field and two years of relevant experience, or a high school diploma and four years of directly related financial-services/business-banking experience; an equivalent combination of education and relevant experience may be considered.
Knowledge of applicable credit union rules, ordinances, codes, regulations, administrative orders, case law, and other governing rules and regulations.
Knowledge of member-service principles.
Strong analytical and problem-solving skills, including the ability to identify issues, troubleshoot technical and transactional problems, and recommend solutions.
Ability to organize and prioritize multiple tasks and projects while meeting established deadlines.
Strong computer skills and ability to learn and use financial systems, software, and business applications.
Strong communication and interpersonal skills, including the ability to explain technical information clearly and maintain effective working relationships with members, employees, vendors, and business partners.
Ability to exercise sound judgment, maintain confidentiality, work independently, and collaborate across departments.
Must obtain and maintain certification as a notary for the State of Wyoming within six months of employment.
Must be proficient in word processing and current spreadsheet software.
May be required to move or transport supplies, materials, or other items weighing up to 40 pounds.
May be exposed to potential physical harm and infectious diseases.
May be required to work outside the traditional work schedule.

Nice To Haves

Direct experience serving business members or commercial customers.
Experience with business deposit accounts, commercial loan documentation, ACH origination, wire transfers, Remote Deposit Capture (RDC), online banking platforms, or other Treasury Management services.
Familiarity with NACHA file formats and other common payment-file formats.

Responsibilities

Coordinate implementation, setup, testing, and ongoing support of Treasury Management services, including business online and mobile banking, ACH origination, Remote Deposit Capture (RDC), wire transfers, Positive Pay, and merchant services.
Maintain service agreements, authorizations, user access, transaction limits, and related documentation.
Work with internal departments and third-party vendors to resolve business banking, payment, merchant service, and technology issues.
Develop business-member relationships through proactive outreach and discovery conversations about payment management, cash flow, borrowing needs, and account access.
Identify business deposit, Treasury Management, and lending opportunities and coordinate solutions and referrals with internal partners.
Maintain prospect and referral activity records, follow up on opportunities, and assist with Business Services pipeline reporting.
Serve as a primary point of contact for business members and as an internal resource to Branch Managers and other member-facing staff on business accounts, documentation requirements, treasury services, and inquiries.
Support staff in identifying business needs, making referrals, and coordinating onboarding and ongoing service.
Educate business members on available services, payment procedures, security controls, and fraud prevention, and assist with technical and transactional issues.
Review transaction activity, ACH limits, Positive Pay exceptions, and high-dollar wire activity to help identify and mitigate fraud and account-takeover risks.
Maintain records and reporting related to business accounts, treasury services, service utilization, exceptions, and departmental activity.
Ensure business account, lending support, and payment activities comply with applicable BSA/AML, CIP, Beneficial Ownership, NACHA, UCC Article 4A, and credit union policies and procedures.
Review organizational and legal documentation to support business deposit account establishment and coordinate complex ownership, authority, or documentation reviews with Compliance/Legal.
Collect and maintain financial statements, tax returns, insurance documentation, organizational documents, and other required information for commercial loan and account files.
Coordinate required financial updates, insurance certificates, loan documentation, and financial covenant documentation with members and Lending.
Perform other duties as assigned or required.