Senior Commercial Relationship Manager

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today. This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office. The Senior Commercial Lender identifies potential new business opportunities to increase the Credit Union's revenue. They will design, develop and implement solicitation programs to attract new clients in the business community. Promote assorted credit and depository products and services to members and prospects. Participate in community related activities to increase the Credit Union's market share. Successfully complete periodic compliance training deemed necessary by the Credit Union and comply with all applicable laws and Credit Union regulations. ESSENTIAL DUTIES AND RESPONSIBILITIES: Analyze market conditions and strategically improve the Credit union's market position for financial growth. Create and implement a business development strategy to identify new business opportunities. Research the competition and generate potential leads. Build customer relationships and negotiate and close business deals. Manage production pipeline to meet established sales goals of the business unit. Perform initial financial analysis to screen for viable new credit opportunities. Partner with internal underwriting staff to ensure thorough analysis of credit risks and present loan requests for committee approval. Keep abreast of local and national economic, financial, political and legislative events and climates which could have an impact on lending activities. Promote a favorable image of the financial institution in all business activities within the community. Assist in product and service development to ensure customer satisfaction and financial institution profitability; recommend upgrades, elimination or future development of under-performing products and services, and develop or introduce of new products and services when necessary. Review and approve all loan fundings within their portfolio. Monitor payment practices to protect credit union from bad debts; has responsibility for collections. Support business unit by making physical inspections of loan collateral and determining eligibility for loan advances. EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS: Ten years of credit union/banking experience and a minimum of eight years sales or sales related experience is required . College degree in finance, business or related field is preferred. Ability to read, analyze, and interpret general business periodicals, financial statements, loan documents, professional journals, and technical procedures. Ability to effectively present information and respond to questions from groups of directors, managers and lending officers. Excellent communication skills - verbal and written. Excellent sales and public relations skills. Ability to recognize opportunities and negotiate effectively. Interpersonal skills to represent the Credit union in a positive manner when dealing with clients and other employees. Travel to client and/or prospect locations up to 50% of time. PHYSICAL REQUIREMENTS: To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry. Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans. We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.