Relationship ManagerReports to: Vice President of Commercial ServicesSupervising: NoneStatus: ExemptObjectiveThe Relationship Manager is responsible for actively developing business contacts within the community and providing business banking solutions with loan, deposit, and ancillary products to meet or exceed budgeted goals. Responsible for receiving, reviewing, evaluating, and pre-qualifying business loan requests. Meets with and manages member and potential member needs through a holistic relationship management approach, which includes understanding their business and personal needs as well.
Meets with members to explain KEMBA's products and services and to present them as possible solutions. Collects loan information and documentation. Serves members and prospective members promptly and professionally.
Provides general Credit Union information and cross-sells services. Assists internal and external Business Services personnel as needed.Duties and ResponsibilitiesAssumes responsibility for the effective and professional completion of assigned business services functions:Focuses primarily on smaller and less complex lending relationshipsInterviews, takes applications, and processes preliminary documentation on business loan requests, Discussing loan alternatives, credit criteria, interest rates and loan documentation in such a manner as to elicit positive responses from membersAnalyzes and evaluates loan requests and prepares written submission for consideration by the Business Loan Committee or underwriter identifying problems or potential problems with credit information and coordinates with the necessary party to resolve the problemsAssists in review of construction loan advances on commercial properties, as neededConducts property inspections as assigned as well as annual site visitsFollows-up and collects updated documents needed to renew matured loansAssists in the collection of delinquent accounts as requiredCompletes lending functions in accordance with established Credit Union policies and legal requirementsWorks with businesses to establish and grow deposit relationshipsOffers business credit cards and merchant card services to all eligible business membersWorks within a Market Area Team toward meeting multiple-product goals including business and personal productsAssumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals:Answers questions and resolves requestsKeeps borrowers informed of Credit Union loan policies and servicesMeets with applicants whose loans are denied and explains reasons and alternatives, as neededMaintains and projects the Credit Union's professional reputationCultivates Credit Union presence in the community by regularly representing Credit Union at business group meetings, Chambers of Commerce, networking groups, etc. in the Credit Union's major marketsAssumes responsibility for establishing and maintaining effective communication, coordination and working relations with Credit Union personnel and with management:Coordinates functions with related departments and branches and provides support as neededAssists Business Development personnel and provides support with Select Employee Groups (SEGs) as neededKeeps management informed of area activities and of any significant problemsAttends and participates in meetings and committees as requiredCompletes required reports and recordsAssumes responsibility for related duties as required or assigned:Cross-sells Credit Union servicesStays informed regarding changes in lending standards and related legal requirementsCompletes special projects as assignedAssists in development of new products/servicesPerforms all duties in a manner that is fully compliant with applicable industry regulations as well as KEMBA policy and proceduresDevelops an understanding of Credit Union history, philosophy, organization, policies, and operational proceduresOn a self-direct basis, continues to improve individual level of competency through training and certification on established educational programsRelates to others beyond giving and receiving instructions:Communicates with coworkers or peers without exhibiting behavioral extremesPerforms work activities requiring negotiating, instructing, supervising, persuading, or speaking with othersResponds appropriately to criticism from a supervisorPerforms other duties as required by managementRequired QualificationsUndergraduate degree in Business or a related field, or equivalent combination of training and work experienceUnderstanding of financial analysis and determination of credit worthinessOne to three years of business banking or commercial lending experienceExcellent communication and public relations skillsStrong analytical abilitiesPhysical DemandsThe physical demands listed below represent those necessary to perform the essential functions of this role.
Reasonable accommodation may be provided to enable individuals with disabilities to perform these functions.The employee is regularly required to sit, use their hands, reach with arms, and communicate verbally and orally. Occasional standing, walking, and lifting of objects up to 25 pounds are required. Vision requirements include close, distance vision, and focus adjustment.