Small Business Relationship Officer- Bluegrass Area

Park Community Credit Union•Lexington, KY

10d

About The Position

By emphasizing One Park, One Mission, One Team, the Small Business Relationship Officer advances the credit union's commitment to making a meaningful difference in every member's financial life. The position focuses on delivering high-quality service, identifying member needs, and recommending products and services that support their financial goals. The role is also responsible for supporting small business members throughout the lending process. This includes receiving loan applications, explaining available lending options, and guiding members from initial inquiry through final decision. In addition, the position originates, monitors, and renews loan and deposit relationships for small business members with aggregate exposure under $1MM, ensuring all activities align with credit union policies and assigned portfolio requirements.

Requirements

One year to three years of similar or related lending experience.
A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
Strong credit analysis skills, including reviewing financials, assessing risk, and understanding loan structures.
Business development and relationship-building abilities to grow small business lending and drive new opportunities.
Solid understanding of regulatory and compliance requirements related to member business lending and BSA/AML.
Excellent communication, organization, and time management skills to guide members, manage multiple files, and meet deadlines.
Proficiency with loan systems and operational processes, including assembling underwriting files and coordinating closings.

Responsibilities

Work directly with members to gather application information and assess whether the member, collateral, and loan conditions meet credit union requirements.
Use an understanding of available loan options to determine the most appropriate business lending method.
Support deposit growth in alignment with the credit union’s budget.
Prepare loan requests for underwriting review and communicate credit decisions to applicants in accordance with policies and regulations.
Coordinate and track required third-party tasks, and partner with the processor to assemble, organize, and maintain all file documentation.
Assist with loan closings as needed or directed.
Actively work to grow credit union small business lending presence including building relationships within the market, professional groups, select employee groups and credit union staff.
Participate in credit union business development or education events providing member business lending expertise.
Support manager with maturing loans, keeping up to date with market conditions, planning, and SWOT.
Ensure communication with branch staff for coordination of meeting space for appointments; attend department meetings or training as scheduled.
Provide reports as requested.
Maintain up to date knowledge of regulations, rules, policies and procedures governing all classes of loans with focus on Member Business Lending.
Advise manager of any changes that may affect credit union processes to limit risk or loss.
Maintain knowledge of credit union products and services and look for cross sell opportunities which will benefit the member’s financial needs.
Cross-sell services such as business checking products and refer business or property owners to the branches for consumer deposit and loan products.
Provide service as required by the member’s availability including needs that may require appointments or follow-up outside of traditional business hours.
Perform other duties as assigned.