Commercial Relationship Manager II

Description

Join our team as a Commercial Relationship Manager II and take the lead in driving business loan growth at Atlantic Federal Credit Union!! This works independently to develop and cultivate sound member business relationships and loans while cross-selling other products and services to Atlantic business lines and foster new member growth consistent with Atlantic's philosophy and service standards. This position is responsible for managing and servicing existing member business loan portfolios. Works closely with internal product partners to provide comprehensive proposals and opportunities to members. 

Responsibilities:

• Build and manage relationships with centers of influence, business owners, and internal partners to boost market share and acquire new members. Utilize CRM and Pipeline tools for servicing the member business loan portfolio. Stay informed on credit union products and assist the VP of Business Development in strategizing to grow business loans and services. Independently evaluate new loan requests to assess their viability and credit risks. Oversee loan proposals, collaborate on credit analyses, negotiate terms, and manage loan documentation and closings. Present loan requests to decision-makers, highlighting strengths and risks. Proactively manage troubled credits to minimize losses and stay aware of the competitive landscape to maintain an advantage. Continuously support and justify the grading of member relationships.
• Act as a support resource for the Branch Network, Consumer Lending, Mortgage Loan Officers, Marketing, and Atlantic Insurance. Provide back-up for Commercial Loan Officers and guide less experienced officers with training. Quickly respond to and update all referrals from internal partners using the CRM platform. Collaborate with the VP of Business Development and the Commercial Lending Team to balance workflow. Work with Portfolio Managers on collecting financials, conducting site visits, and updating risk ratings for Annual Reviews. Partner with Business Lending Solutions for third-party serviced relationships as needed.
• Participate in selected commercial loan training webinars, in-house training, off-site seminars and commercial loan related courses to increase knowledge and skills in commercial lending techniques. Proactively takes initiative to present to VP of Business Development any requested training that will aid in professional development. 
• Follow all policies of the Credit Union and with regulators. Be proficient in all rules and regulations set forth by the NCUA pertaining to business lending. Assist the VP of Business Development in all member business policy matters and reporting requirements. 

 Atlantic is an Equal Opportunity Employer  

Requirements

• Five years to eight years of similar or related experience.
• A college degree, BS or BA in a relevant field. Other relevant training in the area of business development and commercial lending is a plus.
• Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others are key at this level.
• Experience working in relationship management teams with the understanding of balancing business development and asset quality.
• Strong credit acumen (accounting, financial statement, understanding business and understanding of operational cash flow).
• Skilled to negotiate/collaborate with Senior Leadership Team on credit terms and structures.