Small Business Relationship Manager

RALLY CREDIT UNION•Mission, TX

91d•Onsite

About The Position

The Small Business Relationship Manager is responsible for business development and the origination, underwriting, processing, documentation, monitoring, and servicing of a portfolio of 1-to-4-family small-investor-property loans (B1-4). The role serves the credit union and its members by interviewing applicants, promoting products, making recommendations, and analyzing business plans and creditworthiness within established lending authority limits. The position also manages loan documentation, compliance, member relationships, and collection or workout processes for the B1-4 portfolio. It requires frequent face-to-face and telephone contact with members, as well as independent travel. The position reports to the SVP Member Business Services and has no direct reports.

Requirements

Bachelor’s degree.
Five years of financial institution and/or accounting experience, including at least two years of business lending, investment property, or mortgage real estate experience.
Proficiency with Excel, Word, and the Internet.
Good written and verbal communication skills.
Ability to learn the credit union member data system and phone system.
Valid Texas driver’s license, access to transportation, and ability to travel independently.
Ability to work independently and effectively as part of a team.
Ability to plan and direct one’s own work activities and those of others.
Ability to read and follow complicated written and oral instructions.
Ability to communicate clearly and deliver information in a logical, understandable sequence.
Ability to interact calmly and professionally with diverse personalities at various organizational levels and with the public.
Ability to maintain composure under deadline pressure and requirements for accuracy, quality, and a fast pace.
Ability to handle multiple, simultaneous, and changing priorities.
Ability to exercise discretion with confidential internal and external matters.

Responsibilities

Interview members requesting B1-4 member business loan services and enter loan data into the system.
Review financial statements, tax returns, and other member business information to assess repayment ability, business viability, and business status.
Coordinate appraisals and analyses to ensure compliance with governing regulations and internal policies.
Formulate loan recommendations and document, approve, or disapprove loans within designated lending authority.
Protect the credit union’s interests through adequate documentation and adherence to policies, laws, and regulations.
File pertinent documents and ensure proper recording of member business loan documentation.
Execute loan extensions and changes to loan agreements after appropriate approval.
Manage collection and loan workout processes for the B1-4 portfolio when necessary.
Establish a routine member call program to review accounts and support marketing and business development.
Maintain knowledge of and ensure compliance with laws and regulations governing B1-4 loan origination, processing, closing, and collection.
Cross-sell credit union services.
Follow applicable compliance requirements, including BSA, AML, OFAC, CIP, and MDD requirements related to job functions.
Complete BSA/AML compliance training annually.
Perform other duties as assigned.