Senior Business Relationship Manager

Senior Business Relationship Manager

The Senior Business Relationship Manager is responsible for expanding business member deposit and lending relationships, negotiating and originating new business loans and lines, monitoring business loan portfolio to preserve asset quality, participating in credit union and community events, and networking to develop new relationships for the credit union. Location : All GICU location - servicing in the state of Iowa. Hours : Monday-Friday 8am -5pm and nights and weekends as needed by our members.

Essential Functions and Responsibilities :

• Business Acquisition : Sources, develops and builds a business loan portfolio with existing and new business members, with a strong emphasis on CRE, CandI, Equipment Finance, and Practice Finance to achieve individual production goals for new loan volume, fee income, and deposit growth. Actively call on a maintained prospect list, centers of influence, and referral network to expand GICU's commercial footprint to achieve loan growth goals. Understands potential business opportunities and challenges, and targets prospective members well-suited to the credit union's desired audience (consistent with growth and loan quality goals). Negotiate loan structures and terms to optimize profitability while ensuring credit quality.
• Portfolio and Relationship Management : Proactively manages existing loan portfolio to maintain loan quality by monitoring financial performance, covenant compliance and collateral conditions. Maintains up-to-date credit files including loan documentation and current financial information and analysis. Manage and organically expand relationships within the assigned commercial portfolio, focusing on cross-selling treasury, deposit, and credit solutions. Proactively identify additional lending and product opportunities to deepen relationships. Actively works with current portfolio for referral sources to bring on new additional relationships. Responsible for collection of the portfolio if potential problems arise with assistance from the collections team as needed.
• Credit and Loan Origination : Accepts and processes applications for business loans annual reviews, renewals, etc., interviews loan applicants, collects and analyzes financial data to determine the general credit worthiness of the applicant and the merits of the specific loan request to make credit recommendations. Partner with credit analysts and underwriting teams to ensure accurate financial analysis and timely loan decisioning. Responsible for overall completeness of the credit memo for underwriting decisioning and personally writing certain parts of the narrative. Completes or directs loan documentation, closing, and funding while ensuring compliance with credit union policies and regulations.
• Community Engagement and Networking : Represent GICU and actively participate at community, business, industry and credit union sponsored events, and networking events to develop relationships for the credit union, build brand awareness and generate new business opportunities. Serve as a trusted advisor and advocate for local businesses and entrepreneurs.
• Performs other duties as assigned.

Knowledge and Skills :

Physical Requirements : The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit. The employee frequently is required to stand; walk; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to climb or balance. The employee must frequently lift and / or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus.

Work Environment : The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position operates in a professional work environment with a quiet to moderate noise level. This role routinely uses standard office equipment such as computers and phones. This position will travel to branches or meet members at members request as needed.