Small Business Relationship Manager

RALLY CREDIT UNION•Mission, TX

1d•Onsite

About The Position

The primary objective of this position is business development, origination, underwriting, processing, documentation, monitoring, and servicing of 1 to 4 family – small investor properties (B1-4) portfolio in order to best serve the credit union and its members. Tasks include interviewing, promoting products, making recommendations, analyzing applicant’s business plan and credit worthiness operating within lending authority limits.

Requirements

Bachelors Degree
Five years financial institution and/or accounting experience.
Experience must include two years business lending, investment property or mortgage real estate experience.
Must be literate in Excel, Word and the Internet.
Must possess good written and verbal communication skills.
Must possess the ability to learn the credit union member data system as well as the phone system.
Must possess a valid Texas driver’s license, means of transportation and be able to travel independently.

Responsibilities

Interview B1-4 (1 to 4 family small investor properties) members requesting MBL services and input loan data to the system.
Review the analysis of financial statements, tax returns and other pertinent member business information to determine repayment ability and viability of and status of business.
Coordinate appraisal and analysis to ensure compliance with any governing regulation and internal policies.
Formulate opinion as to loan decision, document, and approve or disapprove loans within designated lending authority.
Ensure the protection of the credit union’s interest in matters of adequate documentation and adherence to policies and the various laws and regulations applicable.
Files all pertinent documents to ensure the safety of member business loans.
Insure proper recording of loan documentation.
Execute loan extensions and change of loan agreements upon proper approval.
Manage collection and loan workout processes within the B1-4 portfolio for small investor properties when necessary.
Establish routine call program for members in the B1-4 portfolio for review of accounts as well as marketing and business development.
Have a complete knowledge of and ensure compliance with all laws and regulations governing the origination, processing, closing and collecting of B1-4 accounts.
Cross sell credit union services.
Demonstrates an understanding of and follow the requirements of all regulation compliance including but not limited to those Bank Secrecy Act (BSA), AntiMoney Laundering (AML), Office of Foreign Assets Control (OFAC), Customer Identification Program (CIP) and Member Due Diligence (MDD) as it specifically relates to their job functions.
Responsible for completing BSA/AML compliance training annually.
All other duties as assigned.