The Commercial Relationship Manager (CRM) will work closely with the business banking team and the various retail channels to drive production. The CRM is responsible for the generation and management of all commercial loans and expanding business banking. The CRM will be responsible for originating new commercial loans in Virginia market and will focus on OOCRE, C&I and SBA Lending. The Commercial Relationship Manager will also be responsible for the generation, pre-screening and management for new commercial loans, with objectives related to loan production, portfolio growth, fee income, profitability, credit quality, loan delinquencies, member service, and personnel development.
Responsibilities
Stay abreast & ensure compliance and operational risk controls in accordance with NWFCU and NCUA regulatory standards and policies
Collaborate with other divisions within the credit union
Effectively demonstrate the ability to make timely, prudent and in-depth credit evaluations that meet the minimum credit requirements as established in the loan policy manual
Oversee all aspects of the credit process; loan origination, pipeline management, prescreening, cash flow and collateral analysis, credit review, due diligence and loan closing
Structures, processes and reviews all loan renewals, extensions, risk rating recommendations, modifications and TDR's
Development and implementation of an effective sales calling program targeting industries that fall within the CU risk profile
Meet with existing and perspective members to continuously promote the Northwest brand while identifying cross-selling opportunities and potential referrals to other department
Target focus for origination is ideally split between OOCRE, C&I Lending and SBA
Work with the VP of Commercial & SBA Lending to discuss pricing recommendations
Review all Credit Memorandum's to include credit analysis and deal recommendation
Provide quality member service through various communication methods
Performs other related duties as assigned
Remains cognizant of and adheres to NWFCU policies and procedures as well as regulations pertaining to the Bank Secrecy Act (BSA)
Qualifications
Bachelor's Degree in Business Administration or related field or equivalent experience
Minimum 2 years' experience in Commercial Lending
Formal credit training is preferred but not required, i.e. Omega Certification, RMA or equivalent
Ability to maintain effective relationships with internal partners, members, service providers and external Center of Influences (COI's)
Strong understanding of SBA guidelines, policies, procedures and eligibility criteria
Ability to generate loans, deposits and fee income with existing and prospective members
Ability to comply with all internal organizational policies and procedures
Knowledge of credit underwriting, cash & accrual accounting procedures, cash flow analytics and loan documentation required
Must possess strong conflict resolution skills and the ability to mediate customer service problems, or credit disputes when they arise
A book of business is preferred, but not required
Effective oral & written communication skills
Must be able to work the hours of M-F 8am-4:30pm
Additional Compensation
Northwest Federal offers a comprehensive and inclusive benefits program, which includes medical, dental and vision plans for you and your family, 4 weeks paid vacation, 12 paid holidays, 24 hours of paid volunteer time, parental leave, company paid disability and life insurance, and a generous 401(k) plan with up to 7% employer match.
EEO Notice
Northwest Federal Credit Union is an Equal Opportunity Employer and will consider all qualified applicants without regard to race, color, age, religion, sex, sexual orientation, gender identity, genetic information, national origin, disability, protected veteran status or any other classification protected by law.
NWFCU complies with federal and state disability laws and makes reasonable accommodations for applicants and employees with disabilities. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact the Human Resources Department at 703-709-8900 or HRDepartment@nwfcu.org.
