Inside Commercial Relationship Manager

Achieva Credit Union•Port Charlotte, FL

4d•Hybrid

About The Position

Commercial Lending is a key growth strategy for Achieva Credit Union. The Inside Commercial Relationship manager processes incoming commercial loan requests, including online, phone, branch, and video appointments for commercial loan requests between $50K and $500K. The role cross-offers treasury management solutions to deepen relationships and ongoing relationship management on any assigned loan portfolio, including completing timely annual reviews, ensuring a positive member experience, and adhering to all credit union policies and regulatory requirements. Ideal role for a highly motivated, self-driven individual with aspirations to grow into a Sr. Commercial Loan Officer position, sourcing leads and centers of influence within local communities. The position offers a solid foundation in commercial lending and member service, with opportunities for advancement based on performance and demonstrated potential.

Requirements

Bachelor’s degree in business administration or equivalent combination of education and work experience recommended.
3-5 years of credit union experience required; experience with basic lending required.
NMLS required upon hire.
Base knowledge of standard commercial lending principles and practices, including SBA SOP, NCUA Regulation Title 12, Part 723, evaluating financials and spreads, Vertical IQ, etc.
Strong presentation skills, including reviewing CAMs for completeness and accuracy, building visual loan recommendation presentations, and oral presentation skills that present comprehensive information so that Commercial Loan Committee, the Board of Directors, and other groups can make well informed decisions.
Base knowledge of regulatory compliance in credit union/financial institution operations.
Customer service background with excellent communication, interpersonal, and problem-solving skills.
Ability to handle confidential member personally identifying information (PII) with discretion.
Demonstrated networking and Center of Influence management resulting in meaningful booked business.
Member focus- strong communication, responsive, and diligent in follow up resulting in positive member feedback survey scores, such as Net Promoter, Member Feedback, and/or Google Reviews.
Compliant- adheres to current credit union, state, and NCU policies, procedures, and regulations.
Self-directed- proactively manages pipeline, leads, recommends product/service/process changes as needed.
Provides timely updates for accurate tracking and monitoring of pipelines, portfolios, etc.
Proficiency in Microsoft Office.
Analytical thinking and attention to detail.
Ability to build trust and maintain positive relationships across all business units and teams.
Ability to handle sensitive, confidential information.
High level of customer service skills.

Responsibilities

Member Engagement and Loan Origination Serve as the first point of contact for inbound commercial loan inquiries.
Engage thoroughly with applicants and members to understand current and anticipated future financial needs, recommending suitable loan, deposit, Treasury Management products, annual reviews, ongoing tickler, and other miscellaneous needs.
Guide applicants through the loan process, ensuring complete and accurate applications and documentation.
Maintain consistent communication with members from application through loan payoff, including ways to maximize their membership, navigating the annual loan review process, and by providing ongoing recommendations to support their ongoing business needs.
Manage loan pipeline to ensure member satisfaction, timely responses, and positive member experiences.
Consistently meets commercial loan unit and funded dollar goals.
Loan Evaluation & Compliance Analyze applicant profiles – including credit, income, assets, property valuations, and business financial review details to assess relationship opportunities at application and annual review as required.
Recommend approval or denial of applications based on established criteria.
Ensure compliance with all regulatory requirements, including timelines and documentation standards.
Stay informed about local commercial and Treasury Management trends, competitive offerings, and regulatory changes.
Participate in required annual training, including BSA and Privacy Act compliance.
Organizational Engagement Represent the credit union with professionalism and courtesy in all interactions.
Uphold the highest ethical standards in all interactions and responsibilities.
Partner with leadership to support the credit union’s goal of being a top employer.
Take initiative to perform other essential functions as needed to support the team.