Commercial Lender - Banking

Commercial Banking Relationship ManagerReports to: Director, Commercial DevelopmentSupervises: 0 (direct) 0 (indirect)Essential Functions:Identify, solicit, develop, manage, service and expand commercial banking relationships. Offer a full range of loan, deposit, and non-credit services to existing and prospective commercial clients. Refer personal financial needs of business clients to appropriate branch or team member. Serve as the relationship manager for commercial clients and develop/maintain a "trusted advisor" relationship.Develops new commercial lending and deposit relationships utilizing a self-managed calling program. Solicit a variety of the largest and most complex commercial loans and full banking relationship through client and prospect calls. Follows up on referrals from branches and other parties to solve the needs of commercial members and prospects. Specialist on complex and technical commercial requests. Demonstrate a detailed understanding of major technical aspects of lending and a clear understanding of credit and finance. Request necessary information to identify, evaluate and mitigate risk. Prepare and present credit files for review/decision. Ensure commercial credit union relationships are fully developed and retained, including specific efforts to serve the retail needs of our business members. Obtain and maintain Centers of Influences and attending various networking events in the assigned geographic area (knowledge of local market is required).Assume responsibility for proper documentation and review of accounts and loans, along with adherence to policy and procedures. Assume leadership role within the department by mentoring and training Business Services Officers. Education/Experience:Bachelor's degree in Finance, Accounting or business related field required. Equivalent work experience will be considered.Minimum of five (5) years of commercial lending experience required.Thorough knowledge of credit and credit quality including financial analysis abilities.Maintain comprehensive knowledge of the Credit Union's products and services in order to identify cross-selling opportunities which benefit the member.Proven track record of effective selling of commercial products and other financial services.Understanding of credit principles and underwriting processes.Knowledge of commercial and business loan underwriting.Knowledge of commercial loan documentation.Service Standards:Own the Issueo Build confidence that you will help through your words and actions.o Be present in the conversation to avoid sounding mechanical.o Help the member access additional resources, products, and services to gain more value.Typical office – no hazardous or unpleasant conditions.In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.