Business Relationship Officer

2 months ago

Napa, United States Redwood Credit Union Full time

Redwood Credit Union is a not-for-profit financial institution that believes in people over profits. Our mission is to passionately serve the best interests of our Members, team members, and communities. Sticking to that vision has made us one of the most loved financial partners in the many communities we serve. In fact, RCU is the 8th largest credit union in California-and growing. Due to this growth, we recently completed construction on our new, 8-acre campus in Napa and are ready to welcome more than 500 valued team members

Since 1950, Redwood Credit Union has been helping people reach their financial goals and dreams with a focus on helping others. That people-first approach holds true for our employees, too. Our work environment is built on service and trust. It's all possible with a leadership team committed to hiring talented people and helping them develop their careers.

If this sounds like a place you'd like to be, we're eager to meet you

The Business Relationship Officer initiates, approves and services commercial loans, while overseeing accurate loan documentation. This position is responsible for developing and maintaining account relationships to ensure excellent Member service and manage an acceptable commercial loan portfolio quality.

Essential Functions

    • Provide exceptional service to all Members, volunteers, internal team members and service providers.
    • Manage business loan relationships and accounts while offering and providing applicable services to Members.
    • Ensure loan documentation is complete and maintained.
    • Review loan delinquency reports to ensure assigned accounts are in adherence with contractual agreements.
    • Recognize unfavorable trends, recommend, and pursue corrective action. Make assessments on whether to adjust loan terms and/or pursue additional collateral as a necessity to avoid losses to RCU.
    • Prepare all necessary loan reports and grade changes for submission in a timely manner.
    • Apply appropriate risk grades and adjust grades as necessary based upon Member's financial information.
    • Interview new and existing business applicants to develop information concerning their businesses' needs, abilities, and earnings to determine whether loans may be an acceptable risk.
    • Analyze financial condition of Member's using financial exhibits and other pertinent data.
    • Assess collateral requirements and/or value, and the Member's management effectiveness and competency to form a basis for a sound credit decision.
    • Make independent decisions on loans within scope of predetermined lending authority.
    • Determine the loan structure best suited to the credit requirements of RCU.
    • Negotiate with the Member to reach terms to accommodate their needs, while being acceptable and profitable for RCU.
    • Identify situations where legal aspects of commercial loan documentation may impact RCU and work with management to resolve.
    • Establish a portfolio of business Members and identify and solicit new business relationships within the community.
    • Call on prospects to develop new business relationships in accordance with RCU's overall goals and objectives.
    • Propose business development strategies in RCU's target market based on trends in the financial industry and in the local area.
    • Cross-sell business and/or consumer products to existing Members through an organized calling program.
Qualifications
    • Ability to sell the concept of relationship servicing, close sales and negotiate fair service/loan pricing.
    • Working knowledge of business and personal financial statements and tax return analysis.
    • Knowledge of legal and regulatory aspects of commercial loan contracts and documentation, including real estate law, title insurance and appraisal process.
    • Knowledge of credit underwriting, approval and documentation methods and procedures.
    • Proficient skill in the operation of a personal computer, with the use of the Microsoft Office suite of products.
    • Skill in analyzing credit requests of moderate complexity.
    • Ability to travel 20% of time.
Physical Requirements
    • Ability to stand, bend, stoop, sit, walk, twist, turn and drive
    • Ability to lift up to 20 pounds.
    • Ability to use a computer keyboard and calculator.
    • Work environment is generally indoors, with the majority of the time spent sitting at a desk.


The ideal candidate has a combination of education and experience equivalent to bachelor's degree in finance, business administration or closely related field, with a minimum of five years commercial lending experience, including business development responsibilities.

Compensation: Base salary starting range is $56.00 to 73.00 hourly commensurate with experience.

Redwood Credit Union offers a robust benefits package to our eligible employees including competitive medical, dental, and vision insurance, mental health offerings, employee performance incentive plan, merit increases, 401(k) program with employer match, generous holiday and PTO policy, and extensive RCU specific perks like 100% financing for employee purchased homes

Redwood Credit Union offers a robust benefits package to our eligible employees including:

•Competitive medical, dental, and vision insurance, mental health offerings

•Employee performance incentive plan

•Salary Advancement- Merit increase based on performance

•401(k) program with employer match

•Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off

RCU Discounts and Perks-

- RCU employees are eligible for a .75% discount off RCU standard collateral auto loans

- RCU employees are eligible for a 1% discount on all recreational or boat loan products

- 2% discount off Visas and LOC Loans through RCU

- 0% interest on garment, fitness, or home office equipment loan of up to $500

- 100% financing for employee purchased homes

Why work for Redwood Credit Union?

•Local financial institution, providing unparalleled service since 1950

•Recognized by Newsweek as one of "America's Best Credit Unions 2024"

•Top 5 Healthiest Credit Union in the USA, rated by Glatt Consulting

•Voted Best Places to Work in the North Bay 18 years in a row

•World-class employee engagement scores

•Rated Superior in Service by more than 90% of Members, surveyed by SF Gate

•Recognized by Forbes as one of "America's Best Small Employers 2023"

Internal Team Members

If you are a current Team Member, please apply through the internal careers page located in RCUNET.

We are an Equal Opportunity Employer

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