Commercial Relationship Officer

State Employees Credit Union•Albuquerque, NM

1d•$77,920 - $97,400

About The Position

The Commercial Relationship Officer (C&I) is responsible for developing and managing high-quality commercial and industrial loan relationships, with a primary focus on operating lines of credit, equipment financing, commercial vehicles, and asset-based lending. This role involves proactive business development, financial analysis, credit structuring, and portfolio management to support local businesses and strengthen the credit union's commercial loan portfolio. All employees of State Employees Credit Union are proactive, result driven, and fully committed to the Credit Union's mission and vision. They strive to achieve the highest standards of excellence and consistently exceed the expectations established by Credit Union Management.

Requirements

Loan production volume and quality.
Portfolio credit quality and delinquency.
Member satisfaction and relationship retention.
Compliance with underwriting standards.
Cross-sell success with deposit and treasury services.
Demonstrated expertise in C&I lending; operating lines, equipment financing, and asset-based.
Strong understanding of business financial statements, cash-flow analysis, and collateral valuation.
Excellent interpersonal, negotiation, and communication skills.
Proven track record in business development.
Familiarity with NCUA commercial lending regulations preferred
Job Related Travel - As required
Education or experience equivalent to a Bachelor's degree in Business, Finance, Accounting, or related field, in addition to 3 to 5 years of experience in commercial lending, relationship management, or business banking.
Must be capable to execute all terms and conditions set forth in the Employee Handbook, including but not limited to:
Work in a safety conscious manner which ensures that safe work practices are used in order not to pose a risk to self or others in the workplace.
Adhere to policy on Drug Free Workplace.
Comply with company policies and procedures and local, state and federal regulations.
Prolonged periods of sitting at a desk and working on a computer.
Must be able to lift 15 pounds at times.
Must be able to access and navigate each department at the organization's facilities.

Nice To Haves

Familiarity with NCUA commercial lending regulations preferred

Responsibilities

Identify, develop, and maintain strong relationships with business members, centers of influence, and community partners.
Generate new C&I loan opportunities through proactive calling, networking, and referral cultivation.
Serve as the primary point of contact for assigned business members, ensuring timely and professional service delivery.
Represent the credit union at industry events, chamber meetings, and community functions.
Evaluate borrower financial statements, cash flow, collateral, and guarantor strength to structure credit facilities that meet both member needs and credit union risk standards.
Work closely with credit analysts and underwriting staff to prepare and present complete, accurate credit packages.
Structure and recommend credit terms, including lines of credit, equipment loans, working capital loans, and asset-based facilities.
Ensure all loans conform to internal policy, regulatory requirements, and sound banking practices.
Monitor loan performance, borrowing base certificates, collateral trends, and covenant compliance.
Proactively identify early warning signs of risk or credit deterioration and take corrective action.
Conduct portfolio reviews and annual loan renewals.
Maintain detailed and current documentation in compliance with policy and regulatory standards.
Partner with Treasury Management, Deposit Operations, and other departments to deliver holistic financial solutions.
Provide consultative guidance to members on cash-flow management, equipment acquisition, and working capital optimization.
Ensure prompt response to member inquiries and high satisfaction throughout the relationship lifecycle.
Perform other duties as assigned.