Small Business Relationship Manager

Overview

A Small Business Relationship Manager works under the direction of the Small Business Manager, performs and is responsible to process all service related functions and transactions predominately for Small Business Members. Identifies and offers lending solutions based on specific member needs. Focus on professional and exceptional member service to include co-workers and business partners.

Essential Functions

• Source new and expand on existing Small Business Memberships by visiting local business owners and partnering with OnPoint’s Branch network and Commercial Teams.
• Responsible for handling complex business relationships, efficiently identifying business needs, and recommending referrals to other teams when appropriate.
• Leverage an advanced understanding of Small Business lending products and comprehensive underwriting criteria to provide exclusive guidance to OnPoint’s Small Business Members. Tailor recommendations to match the specific needs of their businesses, offering access to loan products with higher limits that align with their financial goals.
• Opens new business accounts, business online banking services, and business loans.
• Focusing on retention of current small business relationships and working with Branches to present Group Banking opportunities.
• Acts as liaison between members and off-site employees and departments to resolve issues. Partners with Business Deposit Officer and Commercial Relationship Manager to refer products and best serve business members.
• Using the credit-scoring model as a tool, along with credit underwriting skills, evaluates loan applications within Credit Union loan policy and makes determination for approval or denial within established credit limits. Refers applications in question or exceeding credit limits with recommendation to management for review.
• Advises members of loan decisions, processes necessary paperwork, to secure collateral with accurate documentation while keeping safety and soundness of the Credit Union a priority.
• Using consultative approach, cross sells additional Credit Union products and services in order to meet/exceed established individual and/or team goals. Makes appropriate recommendations for commercial, digital, insurance and investment products and services.
• Conducts outbound calling to business members in order to further develop and/or retain lending or deposit relationships.
• Coordinates between multiple departments to deliver the highest quality member experience throughout the member’s time with OnPoint.

Knowledge, Skills & Competencies

• Previous experience working with business accounts.
• Thorough knowledge of credit analysis, underwriting, administration, policy and procedure.
• Ability to profile members using a consultative selling approach.
• Knowledge of finance and lending, including the processes involved in analyzing and interpreting information to achieve solid underwriting decisions and correct documentation.
• Ability to coordinate and complete a variety of assignments simultaneously and prioritize work.
• Work effective as part of a team and contribute individually and consistently with the Branch to meet and exceed set goals determined by the Credit Union.
• Ability to be self-directed and work under limited direct supervision.
• Effective verbal and written communications skills.
• Strong mathematical, problem-solving and negotiation skills.
• Proven client service, interpersonal and relationship building skills.

Qualifications

• High School diploma or GED required and Bachelor’s degree is preferred.
• Minimum of 2 years of previous experience in business banking and sales within a financial institution or equivalent field with underwriting skills preferred.
• Proven experience consistently achieving goals and top tier performance in the same or similar role is preferred.
• Bilingual skills are highly desired.
• This position may require National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.

Physical Requirements

• Reliable means of transportation is required. This individual will work onsite at a centralized location, and requires moderate travel to branches for appointments.
• Occasional bending/lifting/pushing/pulling of objects up to 40lbs.
• Frequent sitting and/or walking.
• Requires close visual acuity.
• Frequent use of hands to manipulate/grasp objects and forward reaching.
• Use of computer keyboard, calculator and other office equipment.

At OnPoint, we believe a workplace that reflects the richness of the world fosters a welcoming and empowering environment for everyone. We're committed to equity and inclusion, and consider all qualified applicants embracing every race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and your unique background.

We encourage you to apply if you're passionate about this opportunity and have the core qualifications. Your unique experiences and skills are what make you a strong candidate. Don’t let imposter syndrome hold you back! Our recruitment process is designed to be inclusive and accessible to all. If you need any accommodations during the application or interview stage, please let us know. We're dedicated to providing what's necessary to ensure a fair and inclusive experience.

Job Details

Job Family

ADL-Alternate Delivery Lending

Job Function

ADL-Alternate Delivery Lending

Pay Type

Salary