Commercial Relationship Manager

Description

Maps Credit Union seeks a Commercial Relationship Manager to provide superior customer service to existing members and actively develop new business relationships. Reporting to the VP of Commercial Services, this position enhances the Credit Union’s commercial loan portfolio by cultivating a referral network and generating loan leads.
 

Key responsibilities include:

1. Identify, develop, solicit, manage, service, and expand new and existing member commercial loan and account relationships.  Actively generate loan deposit, and cash management leads by developing and cultivating a referral network.
2. Promote and cross-sell Credit Union related products and services. Effectively coordinate sales efforts with other Credit Union resources to ensure quality and timely member service.
3. Assist with developing and maintaining the quality and soundness of the Credit Union’s commercial loan portfolio.
4. Demonstrate effective sales skills and production performance to meet annual loan, deposit, and organizational goals.  Committed to facilitating the growth and development of the Credit Union.
5. Maintain a thorough knowledge of commercial loan and business deposit products and pricing.
6. Interview applicants, obtain pertinent loan information and data, analyze financials, and complete credit and property evaluation to determine loan request feasibility, resolve questions or issues regarding application information, prepare written loan reviews, and present applications for approval. 
7. Prepare thorough borrower/guarantor analysis (including financial reports with explanations) along with spreading various tax returns and financial information to be used for loan underwriting and reviews.
8. Provide superior customer service, building and maintaining positive working relationships with members, borrowers, and their representatives. 
9. Negotiate loan structure, issue letters of interest, and assist with the preparation and execution of loan documents.
10. Compile and maintain accurate and complete files on all business loans.
11. Complete timely and thorough monitoring of commercial loans through periodic reviews and continual analysis.  Includes: ability to repay analysis, collateral inspections, risk rating review, and the administration of the loan covenants and proper documentation.
12. Assist with monitoring and resolving delinquent business loan amounts or business loans determined to have an impairment that may affect repayment or the Credit Union’s position.
13. Knowledgeable about and compliant with all relevant Credit Union regulations, policies, and procedures. Assist with developing and maintaining commercial lending procedures and reporting activities. 
14. Play an integral role in developing new commercial loan programs and opportunities, and represent the Credit Union in industry and professional associations, community organizations, local business groups, etc. 
15. Follow regulatory and policy compliance requirements, which include those efforts in compliance with the Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC) and Anti-Money Laundering (AML) Regulations, Identity Theft Red Flags, and other compliance-related policies.

Requirements

Knowledge, Skills, and Abilities Required:

• Strong analytical, time management, and organizational skills and the capacity to integrate diverse objectives with a high level of accuracy and attention to detail.
• Thorough understanding of the principles of accounting, finance and financial analysis.
• Demonstrated relationship management, new business development and sales skills.
• Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.
• Willingness and ability to travel within the service area to visit borrowers and conduct site visits.
• A high level of knowledge and understanding of commercial lending laws, regulations, and procedures. 
• Accurate typing/keyboarding skills; intermediate computer skills, including the use of word processing and spreadsheet software applications and e-mail.
• Ability to retain a broad knowledge of tasks performed in the department.
• Ability to take initiative; good problem-prevention, and problem-solving skills.
• Ability to remain flexible in order to adapt to changes in the work environment.
• Ability to maintain confidentiality of sensitive information.
• Ability to work with co-workers, members, and outside agencies professionally and tactfully.

Qualifications:

• Bachelor’s degree or equivalent professional experience and industry-specific training in a relevant field such as Finance, Business Lending, Business Administration, or Small Business Management.
• 3-5 years of Banking/Credit Union commercial lending and financial services experience with progressive responsibilities.
• 3-5 years of experience in customer relationships, business development, and direct and indirect selling roles.
• Must possess a valid Oregon driver’s license.
• Must be bondable. 

Starting Salary Range: $100,000 - $130,000 per year plus the opportunity to earn quarterly incentives. This position may be a "Senior" role, depending on experience.

This position is eligible for flex-hybrid work (up to 3 days remote per week.)  It is not 100% remote. 

 To show our appreciation to employees, we offer:

• Medical, Dental, and Vision Insurance
• Employer-paid Life Insurance
• Employer-paid Short-Term and Long-Term Disability Insurance
• 401(k) retirement plan with employer matching
• Generous paid time off, starting at 12 hours per month
• 10 paid holidays per year
• Employee Assistance Program
• Flexible Spending Accounts
• Student loan paydown program
• Employee loan discount program
• Wellness incentives

Why employees are proud to work here:

• We offer 24 hours of paid volunteer time per year
• We provide financial education for youth and adults
• We provide grants to teachers in the valley
• We offer scholarships for local high school seniors headed to college

About Maps:

Located in the heart of the beautiful Willamette Valley, Oregon, Maps Credit Union offers a wide variety of services to over 77,000 members at 10 branch locations and supports over 300 employees. More than anything else, we believe in lifelong learning—not only about money and finances but in all areas of life. Our focus on lifelong learning is a result of our proud history as an educators’ credit union, dating back to our start in 1935. We passionately believe that the best way to navigate life’s great adventure is to do it together.

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, age, marital status, pregnancy, genetic information, or other legally protected status.