What are the responsibilities and job description for the Business Relationship Manager II position at Rogue Credit Union?
Department: Business Services
Reports To: Business Services Credit Administration Manager
Classification: Exempt
Role:
Builds, monitors and manages an assigned commercial portfolio often consisting of moderate to complex credits. Recommends for approval new and existing commercial loan requests. Negotiates terms and troubleshoots potential problems. Presents higher level loan requests and ensures compliance with all regulations and Credit Union policies and guidelines.
Essential Functions & Responsibilities:
20% Interviews existing and potential new members seeking commercial loans. Uses interview skills to obtain information concerning loan needs, earnings and the individual's financial condition.
20% Exercises discretion in recommendations of loans and terms within their own limit and within the established policies of Rogue Credit Union. Uses independent judgment and independent decision authority to overcome objections and solve potential problems, negotiate terms and a pricing structure to influence a successful outcome for both new and existing loans. Prepares and presents for approval credit recommendations on all borrowing requests.
20% Develops primary member and prospect lists within assigned territory for the purpose of marketing a broad range of credit union services including new loan opportunities. Manages existing member relationships with a loan portfolio typically ranging from $15 to $30 million.
20% Manages the assigned loan portfolio. Ensures timely and thorough monitoring of all credits through periodic reviews, continual analysis, and proper documentation. Contacts borrowers as needed. Trouble shoots and suggests resolution steps to remedy deficiencies when appropriate or needed.
10% Ensures accuracy and compliance with regulations and internal policies and procedures. Maintains thorough documentation.
10% Provides excellent member service to internal staff and members, Assists the Business Services team as needed. Proactively performs other duties as needed or assigned.
Knowledge and Skills:
Experience: Three years to five years of similar or related experience.
Education: Equivalent to a college degree (BS or BA in a relevant field) Advance level training in business/credit decision and knowledge of applicable financial services.
Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
Other Skills: Business and financial statement analysis skills. Critical thinking and decision making skills. Analysis and negotiation skills. Good judgment. Excellent time management and organizational skills. Professionalism with the ability to conduct effective and persuasive presentations. Resourceful with strong trouble shooting skills. Excellent communication skills required, both verbal and written. Strong computer and applicable software skills including the use of loan programs, spreadsheets and word processing software.
Physical Requirements: Some lifting required (up to 30 pounds), continuous sitting, occasional standing and occasional walking. Finger dexterity while using computer. Occasional talking and hearing in person and on the telephone. Continuous clarity of vision at 20 inches or less and continuous clarity of vision at 20 feet or more. Must possess and maintain a valid driver’s license.
Work Environment: This job is an exempt position that requires flexibility in scheduling tasks and projects. The employee must independently monitor hours and judge the time needed to be spent on applicable duties. Employee must be capable of adjusting to unpredictable schedules proactively. As a direct representative of the Credit Union, the employee must conduct and present themselves courteously and professionally. Exposed to potentially hazardous conditions, i.e., robbery. Travel to all Credit Union regions may be required. May require working Saturdays or Sunday.
Disclaimer:
Job descriptions are not intended, and should not be construed to be exhaustive lists of all responsibilities, skills, efforts, or working conditions associated with a job. They are intended to be accurate reflections of those principal job elements essential for making fair pay decisions about jobs.
Note: Rogue Credit Union is a drug free workplace and requires a drug screening test within 48 hours of employment offer.
Rogue Credit Union is an Equal Opportunity Employer and makes employment decisions without regard to race, color, national origin, religion, sex, age, disability, veteran status, or any other protected class. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process, or are limited in the ability or unable to access or use this online application process and need an alternative method, please call (541) 622-7577 or email cnunez@roguecu.org.
This Job Description is not a complete statement of all duties and responsibilities comprising the position.
