Small Business Relationship Manager

PRIMARY OBJECTIVE OF POSITION

The primary objective of this position is business development, origination, underwriting, processing, documentation, monitoring, and servicing of 1 to 4 family – small investor properties (B1-4) portfolio in order to best serve the credit union and its members. Tasks include interviewing, promoting products, making recommendations, analyzing applicant’s business plan and credit worthiness operating within lending authority limits. 

ESSENTIAL JOB FUNCTIONS

• Interview B1-4 (1 to 4 family small investor properties) members requesting MBL services and input loan data to the system.
• Review the analysis of financial statements, tax returns and other pertinent member business information to determine repayment ability and viability of and status of business.
• Coordinate appraisal and analysis to ensure compliance with any governing regulation and internal policies.
• Formulate opinion as to loan decision, document, and approve or disapprove loans within designated lending authority.
• Ensure the protection of the credit union’s interest in matters of adequate documentation and adherence to policies and the various laws and regulations applicable. Files all pertinent documents to ensure the safety of member business loans.
• Insure proper recording of loan documentation.
• Execute loan extensions and change of loan agreements upon proper approval.
• Manage collection and loan workout processes within the B1-4 portfolio for small investor properties when necessary.
• Establish routine call program for members in the B1-4 portfolio for review of accounts as well as marketing and business development.
• Have a complete knowledge of and ensure compliance with all laws and regulations governing the origination, processing, closing and collecting of B1-4 accounts.
• Cross sell credit union services.
• Demonstrates an understanding of and follow the requirements of all regulation compliance including but not limited to those Bank Secrecy Act (BSA), AntiMoney Laundering (AML), Office of Foreign Assets Control (OFAC), Customer Identification Program (CIP) and Member Due Diligence (MDD) as it specifically relates to their job functions.
• Responsible for completing BSA/AML compliance training annually.
• All other duties as assigned.

RELATIONSHIPS AND CONTACTS

Supervise Approximately:  None

Reports To:  SVP Member Business Services

Contacts:  Frequent contact with members face-to-face and by telephone.  Tact and diplomacy are paramount to success of position.

EDUCATION

• Bachelors Degree

EXPERIENCE

• Five years financial institution and/or accounting experience.
• Experience must include two years business lending, investment property or mortgage real estate experience.
• Must be literate in Excel, Word and the Internet.
• Must possess good written and verbal communication skills.   
• Must possess the ability to learn the credit union member data system as well as the phone system. 
• Must possess a valid Texas driver’s license, means of transportation and be able to travel independently.

PHYSICAL REQUIREMENTS

• Position involves wrist/hand manipulation; frequent viewing of computer monitor; restriction to workstation for extended periods of time.

MENTAL REQUIREMENTS

• Must be able to perform job functions independently and work effectively either on own or as part of a team.
• Must be able to plan and direct the work activities of self and others. 
• Must be able to read and carry out various complicated written and oral instructions.  Must be able to speak clearly and deliver information in a logical and understandable sequence. 
• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of mental service and discretion when dealing with the public.
• Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. 
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising highest level of discretion on both internal and external confidential matters.

EQUIPMENT REQUIREMENTS

• Personal computer with windows environment, scanner, calculator, copy machine.

I acknowledge that I have received, read, and understand this Job Description.  I agree to perform to the best of my abilities the functions and duties described herein, with or without reasonable accommodation.  I understand that this Job Description does not constitute an employment contract or alter my "at-will" employment status.  I further understand that the duties and responsibilities described in this Job Description are subject to change or modification, as determined by management, and that I am responsible for performing any job duties, or other tasks, and responsibilities that may be assigned, and/or directed by management.