Relationship Manager

Description Relationship Manager Impact Banking Team VA Office Role Description Summary: National Cooperative Bank (“NCB”) is seeking a highly motivated Relationship Manager to join the Impact Banking Team. Impact Banking fulfills the Bank’s cooperative and low-income mission by focusing on markets utilizing the cooperative model as an effective tool in economic and community development and/or service low-to-moderate income communities. Impact Banking strategically differentiates NCB in mission-aligned niche and emerging markets where NCB can be a key player, leverage its core competencies and national focus, utilize specialty underwriting and provide excellent customer service. The primary responsibility for this new role is to support the growth of existing banking relationships and facilitate generating new banking relationships. The Relationship Manager will focus primarily on the Healthcare sector [75%]and secondarily [25%] on the Community Development Financial Institution (CDFI) and other Impact Banking sectors. They will primarily support in evaluating, structuring, and monitoring complex healthcare credit transactions and secondarily focus on other sectors within Impact Banking. While this position has no immediate business development responsibilities, it is anticipated that this position will transition to a business development role focused on the healthcare market in 12-24 months. NCB’s healthcare lending currently focuses on community-based healthcare, Federally Qualified Health Clinics (FQHCs) and Program for All Inclusive Care for the Elderly (PACE). Healthcare credit facilities are typically project-related but also include traditional bank lending products that support start-up, construction, expansion, and stabilized organizations. The role also involves performing detailed financial, business, and operational due diligence, preparing deal screening materials, and assisting with the ongoing management of the Impact Banking credit portfolio. The Relationship Manager must be detailed oriented with strong analytical skills and a deep understanding of finance and/or commercial lending. Role Responsibilities: Collaborate with business development officers, relationship managers, analysts, and servicers to scale growth, improve execution efficiency, and enhance customer service across assigned sectors and portfolios. Serve as secondary point of contact for assigned customers to execute customer and portfolio requests, including modifications, renewals, amendments, waivers, and annual reviews. Participate in and prepare for client meetings, site visits, conferences, and industry events, representing NCB as directed and supporting relationship development and market presence. Maintain and manage CRM and loan pipeline systems (including nCino and Backshop), ensuring accurate profiles, document uploads, lead creation, and up-to-date market and portfolio intelligence. Conduct financial and company analysis, due diligence and industry research, including financial statement spreading, cash flow and capital structure assessment, LTV analysis, and creditworthiness evaluation for new and existing clients Support the end‑to‑end credit and loan process by preparing initial deal screening materials, financial summaries, credit documentation, and assisting with loan approvals and closings in partnership with RMs and underwriters. Based on experience level, coordinate construction‑ and collateral‑related activities—such as meeting logistics, document preparation, and relevant components of triage or credit memoranda. Maintain a working knowledge of credit guidelines and procedures and report any procedure or process that doesn’t meet regulatory requirements (i.e., fraud). Perform reviews and form opinions on third-party prepared due-diligence documents (appraisals, environmental reports, valuations, construction budgets, projections, etc.) Serve as liaison for ordering, reviewing, and interpreting third-party due diligence materials such as appraisals, environmental reports, valuations, construction budgets, and projections Work alongside other RMs and BDO to monitor loan covenants, financial performance, and compliance for existing borrowers Conduct industry and market research to support new areas of focus, emerging opportunities, and items for triage and strategic evaluation Travel 10-20% Potential for officer title based on experience Minimum Qualifications: Strong finance and accounting skills. Extensive Excel modeling experience would be a plus. 5-10 years of related work experience required. Fundamental understanding of commercial lending and familiarity with credit products. Detail-oriented with strong organizational, communication, and presentation skills. A positive attitude, strong work ethic, and a demonstrated interest in Commercial Banking or Corporate Finance. Strong computer skills are required with the following programs: Word, PowerPoint, Outlook and highly proficient with Excel. Education: Bachelor's degree in Finance, Accounting, Economics, or related field. Experience in Commercial lending is preferred. Experience in healthcare, commercial real estate, and CDFI lending a plus. Work Environment: Hybrid – Employees will work from both remote and onsite locations. Employees must live within a reasonable commuting distance of the office and are required to be onsite at least two (2) days per week, specifically on Tuesdays and Wednesdays. Certain positions or business needs may require additional in-office days. AA/EOE