Commercial Relationship Manager

SUMMARY

This position will be accountable and responsible for generating new commercial loan origination opportunities, and managing assigned relationships for retention, relationship and service satisfaction with loans and other ancillary credit and non credit products sales and services.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Demonstrate enthusiasm for MBC core values: Teamwork, Accountability, Integrity, Innovation and Leadership.

Generate loan opportunities within targeted risk profile for assigned markets and credit unions.

• Work closely with internal partners to facilitate the development of new business relationships as well as develop prospects through lead lists and referral sources. Proactively play a vital role in the growth and development of the commercial lending portfolio.
• Maintain an accurate sense of market, understanding participating Credit Union needs as well as the competitive landscape
• Represent MBC and the credit union industry in various business and community events and activities to both generate loans and contribute to positive perceptions of credit union capability and commitment
• Represent MBC with assigned credit unions and facilitate development of staff and process to improve credit union capabilities with business lending
• Provide initial lending recommendations which are based on an analysis of borrower’s financial condition and MBC credit culture
• Clearly articulate MBC credit risk profile and prospect for loans that are likely to meet MBC underwriting standards
• Use MBC provided tracking system for all incoming loan opportunities, and ensure prompt and clear communications which define application requirements and status
• Screen incoming opportunities for alignment to MBC credit risk standards prior to submission
• Upload timely ALL applicants financial and loan information upon receipt to designated MBC Share Drive folder to ensure data and personal information is protected.
• Ensure appropriate compliance with Reg B and other regulations when opportunities do not meet requirements

Facilitate high quality origination experience for borrowers, credit unions and MBC team.

• Build collaborative internal and external relationships to provide the best member service experience and relationship management possible
• Receive referrals from credit unions, MBC staff, and other sources and promptly communicate actions to borrower and referral source using MBC technology
• Demonstrate awareness of MBC application checklist requirements and ensure appropriate checklist compliance communications when submitting applications
• Maintain continual attention to loan status and processing needs and ensure prompt and clear communications internally and externally on all assigned applications
• Assist credit union in establishing membership and appropriate cross sell activities associated with respective borrowers

Maintain relationships with assigned credit unions and loan portfolio to improve future business development potential and enhance relationship retention

• Manage an existing portfolio of business borrowers with accountability for ongoing relationships including origination of new loan requests, renewals, cross sell opportunities and/or referrals to third parties
• Review borrower files and portfolio reports of assigned relationships to identify new loan opportunities
• Assist servicing department and assigned portfolio manager with servicing and compliance matters including loan modification requests, reporting compliance, and collection issues
• Maintain communications and relationships with credit unions to ensure satisfaction of services received and enhance future business potential.
• Maintain awareness of credit and risk appetites of credit union partners

Engage in visible demonstration of leadership qualities.

• Proactively engage in industry events and maintain awareness of industry news and happenings through monitoring trade publications, regulatory websites and communications.
• Provide guidance, training, and support to Credit Analysts, Financial Analysts and Interns and less experienced Commercial Banking Officers

SUCCESS MEASUREMENTS:

Success in this position is primarily measured as the quality of the origination and relationship management experience received by borrowers, and perceived by the credit unions, the added value contributed by the SCRM towards that experience, the amount of loans and other products produced and retained.

SUPERVISORY RESPONSIBILITIES

None

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

Bachelor's degree (B.A. or B.S.) from four-year college or university; or equivalent combination of education and experience. Formal sales training program or credit training program required. Minimum seven to ten years of commercial lending experience required.

LANGUAGE SKILLS

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before members or employees of the organization.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

REASONING ABILITY

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

PHYSICAL DEMANDS

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; use hands to finger, handle, or feel; and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally 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

This position is primarily a work from home, or remote office situation. The in office 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.

The work environment is a typical office environment.

The noise level in the work environment is usually moderate.

*MBC operates within a flex time environment, allowing reasonable employee discretion in start and end times. Certain functions may be supported from a work at home environment as agreed to by the MBC president.

Job Type: Full-time

Pay: $100,719.00 - $151,078.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Vision insurance

Application Question(s):

• Have you completed a formal sales training program or formal credit training program?

Experience:

• commercial lending : 7 years (Required)

Work Location: Hybrid remote in Ann Arbor, MI 48105

Salary : $100,719 - $151,078