Commercial Relationship Manager Senior

Role: The Commercial Relationship Manager promotes commercial member financial well-being and community enrichment through offering commercial lending products to existing and prospective commercial members. This position educates commercial members on lending services and the full range of credit union products with the goal to grow, retain and expand CapEd’s commercial relationship portfolio. Provides subject matter expertise to the Commercial Lending team and all departments for the organization. Identifies and communicates improvements to the department’s operating methods and procedures.

Essential Functions & Responsibilities

• Consults applicants and obtains information regarding earnings and financial condition to evaluate the applicant’s creditworthiness and ability to re-pay the loan. Negotiates credit terms, costs, repayment methods and collateral specifications, within lending authority. Assists in collection of past due loans.
• Contacts potential commercial members to foster and obtain new commercial deposit relationships and expand the credit union’s portfolio. Offers various lending products and services to fit the needs of business and commercial members.
• Maintains the commercial portfolio and reaches out to current members with the objective of enriching the member experience and deepening their business relationship with CapEd by cross selling and linking services of value and teaching business members to navigate ease of service solutions.
• Frequently and consistently collaborate with all member-serving departments to share knowledge and expertise for promoting commercial lending products and services.
• Collaborates and coordinates with the marketing department to facilitate promotions and activities for enhancing commercial relationships. Attends or participates in community affairs as needed.
• Supports Commercial Lending team by accepting unresolved complex commercial member inquires and works directly with members to research and explore potential solutions to provide alternatives within company policy. If needed, researches inquires further, or transfers request to other areas of the Credit Union, to provide a solution.
• Identifies and makes recommendations to improve the department's operating methods, training and procedures. Develops and enhances commercial member suite of product offerings and collaborates with other departments on member service delivery and process development projects.
• Assists department training for current or new employees and for other departments by sharing expertise in job role functions, internal procedures and knowledge on how compliance or other regulations affect processes.
• Researches and maintains a thorough knowledge of commercial lending policies and procedures, keeps up to date on regulation changes, and maintains familiarity of new commercial lending product or service trends.
• Coordinates with multiple credit union departments and 3rd party vendors to complete business member requests and provide appropriate solutions.
• Maintains expert knowledge of all Credit Union products, services, and promotions.
• Contributes to efficient Credit Union operations by performing other job-related duties as assigned.
  
  

Knowledge And Skills

Experience: Five years to eight years of similar or related experience.

Education: A four year college degree preferred or equivalent experience and/or education.

Critical Job Competencies

Brand Promise and Values: To make a difference - every member experience matters. Employees of CapEd carry out our promise and values of EP!C by being Empowered - We are knowledgeable and trusted to make decisions. Professional - We are respectful in creating outstanding experiences. Innovative - We seek new ideas for positive change. Collaborative - We connect with each other to implement solutions.

• Building a Successful Team: Using appropriate methods and a flexible interpersonal style to help build a cohesive team; facilitating the completion of team goals.
• Decision Making: Identifying and understanding issues, problems, and opportunities; comparing data from different sources to draw conclusions; using effective approaches for choosing a course of action or developing appropriate solutions; taking action that is consistent with available facts, constraints, and probable consequences.
• Follow-Up: Establishing procedures to monitor the results of delegations, assignments, or projects; taking into consideration the skills, knowledge, and experience of the assigned individual and characteristics of the assignment or project.
• Negotiation: Effectively exploring alternatives and positions to reach outcomes that gain the support and acceptance of all parties.
• Quality Orientation: Accomplishing tasks by considering all areas involved, no matter how small; showing concern for all aspects of the job; accurately checking processes and tasks; being watchful over a period of time.
  
  

Very Important Competencies

• Building Member Loyalty: Effectively meeting the member needs; building productive member relationships; taking responsibility for member satisfaction and loyalty.
• Impact: Creating a good first impression, commanding attention and respect, showing an air of confidence.
• Building Partnerships: Identifying opportunities and taking action to build strategic relationships between one’s area and other areas, teams, departments, units, or organizations to help achieve business goals.
• Technical/Professional Knowledge and Skills: Having achieved a satisfactory level of technical and professional skill or knowledge in position-related areas; keeping up with current developments and trends in areas of expertise.
• Work Standards: Setting high standards of performance for self and others; assuming responsibility and accountability for successfully completing assignments or tasks; self imposing standards of excellence rather than having standards imposed.
  
  

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 and/or remain in a stationary position; use hands to finger, handle, operate, input or feel; reach with hands and arms in any direction; talk, communicate, converse, exchange information and hear; balance, kneel, walk and stand, occasionally moving and traversing; and will frequently use a computer and/or phone. There may be repetitive motions, making substantial movements of the wrists, hands, and/or fingers. The employee needs the ability to wear personal protective gear correctly. This is considered sedentary work: exerting up to 10 to 25 pounds of force occasionally and/or a negligible amount of force frequently or consistently to lift, carry, push, pull or otherwise move objects, including the human body. Specific vision abilities required by this job include close vision, distance vision, peripheral 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. The worker is subject to inside environmental conditions: protection from weather conditions but not necessarily from temperature changes and/or seasonal brightness through windows. This position may involve periodic stressful conditions. The Credit Union’s business days are Monday through Saturday between the hours of 8:00 a.m. to 6:30 p.m.; however, this position may occasionally require an adjusted work schedule, overtime, and to include evening/weekend hours. The noise level in the work environment is usually moderate.

Disclaimer

NOTICE: This job description does not create a contract of employment and at all times your employment, if any, remains at will. This job description also in no way limits the duties to be performed by the employee, which may be assigned or modified from time to time by Capital Educators Federal Credit Union. Please know that Capital Educators Federal Credit Union is an Equal Employment Opportunity Employer and all decisions regarding employment including hiring and promotion are based on the individual meeting the essential functions of the job, with or without reasonable accommodation, and without a direct safety threat or undue hardship.