Relationship Manager

Title: Relationship ManagerReports to: Vice President of Commercial ServicesSupervises: 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 requests- Keeps borrowers informed of Credit Union loan policies and services- Meets with applicants whose loans are denied and explains reasons and alternatives, as needed- Maintains and projects the Credit Union's professional reputation- Cultivates 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 needed- Assists Business Development personnel and provides support with Select Employee Groups (SEGs) as needed- Keeps management informed of area activities and of any significant problems- Attends and participates in meetings and committees as required- Completes required reports and recordsAssumes responsibility for related duties as required or assigned:Cross-sells Credit Union servicesStays informed regarding changes in

Created: 2026-05-02