Commercial Relationship Manager
CommunityAmerica Credit Union•St. Louis, MO
•$120,000 - $150,000
About The Position
The Commercial Relationship Manager cultivates relationships with prospective members to generate new business and maintains and grows existing business-member relationships. The role manages a commercial loan and relationship portfolio, assesses portfolio risk, and leads efforts to fully engage businesses and their owners. It emphasizes serving small businesses, including supporting SBA products and connecting members with community resources, education, and advice to help expand their business potential. The manager ensures products and services are delivered in compliance with applicable state and federal regulations.
Requirements
- Two to three years of business lending experience, with zero to two years in a sales capacity.
- Experience with and knowledge of Commercial & Industrial (C&I) loans.
- Experience with and knowledge of Commercial Real Estate (CRE).
- Bachelor’s degree in Business or Finance; significant direct experience or certifications may be considered in lieu of a degree.
- Ability to learn business development techniques and commitment to developing a strong community presence and team sales approach.
- Effective written and oral communication skills.
- Ability to work effectively as part of a team.
- Extensive knowledge of small-business and commercial banking products, specifically loans, deposits, and treasury management.
- Strong knowledge of C&I and CRE loans.
- Knowledge of laws and regulations governing lending.
- Strong mathematical and analytical skills.
- Strong interpersonal skills and ability to resolve interpersonal conflict and miscommunications.
- Ability to maintain a high level of confidentiality.
Nice To Haves
- Completion of Graduate School of Banking programs, Risk Management Association (RMA) coursework specific to commercial lending, National Association of Government Guaranteed Lenders (NAGGL) SBA certifications, and/or other business lending programs.
- SBA experience.
- Credit analysis background.
Responsibilities
- Drive commercial lending and other commercial product sales through internal referrals and business development with current and prospective business members.
- Build and manage a portfolio of commercial loans and relationships.
- Analyze the creditworthiness of commercial loan applicants and work with a Credit Analyst to prepare credit memoranda for presentation and approval.
- Consult with existing business members to identify needs, propose solutions, and identify additional opportunities.
- Work with Treasury Sales to fully bank business members and provide tools to manage cash flow through Treasury products and services.
- Work with Retail Banking to onboard business owners, employees, and other people who contribute to the business through the At Work program.
- Promote and cross-sell products and services to increase member engagement.
- Educate and advise members about financial products and connect them with community resources that support their business plans and strategies.
- Make lending recommendations and prepare lending packages in collaboration with credit analysts and in accordance with policy and state and federal regulations.
- Conduct annual reviews of the existing loan portfolio to ensure loan safety and soundness.
- Maintain strong knowledge of SBA lending and navigate its available resources.
