Small Business Manager

Coast Capital Savings; Surrey; Hybrid; CAD 66,000 - 79,000; Full time

Job summary

Coast Capital Savings in Guildford, BC is seeking a Small Business Manager to independently manage a portfolio of 200–400 business members with deposit and lending needs, under the guidance of a Regional Manager, Small Business Banking.

This hybrid, full‑time role focuses 90% on portfolio and risk management and 10% on business development, emphasizing cross‑selling of CCS products and services while maintaining strong customer service and regulatory compliance.

Qualifications

• Typically 4–6 years of related experience.
• Bachelor's degree in Business/Commerce; MBA or accounting designation is an asset.
• Knowledge of commercial lending and deposits.
• Strong risk management and analytical skills.

Responsibilities

• Manage a portfolio of 200–400 business members in the region.
• Perform periodic credit reviews and monitor banking activity.
• Cross-sell Coast Capital Savings products and services.
• Build and deepen customer relationships; onboard new clients and manage deposits/loans.

Skills

Portfolio management

Risk management

Business development

Credit analysis

Relationship management

Education

Bachelor's degree in Business/Commerce

MBA (asset)

Accounting designation (asset)

Tools

WYABC

Job description

Location(s):

Guildford Branch

Job Type:

Full Time Temporary

myWork Program:

Hybrid

Starting Salary Range:

$65,800.00 - $79,000.00

Background Screening Requirement:

• Enhanced Criminal Record Check
• Credit Check
• Identity Verification
• Employment Verification
• References

What's the job?

The Small Business Manager will independently manage a portfolio of between 200-400 business members in the region that have deposit and lending requirements under the guidance and coaching of a Regional Manager, Small Business Banking. Business customers (often referred to as Small Business Customers) typically have large deposit and cash management requirements and are also prime targets to cross sell other Coast Capital Savings (CCS) products and services. Where there are borrowing requirements, credit limits will typically not exceed $250,000 but could be higher based on security offered. Estimated time to be spent on various responsibilities is expected to be as follows: 90% Portfolio and Risk Management and 10% Business Development.

What you'll get to do:

• Plan, organize and complete assigned tasks such that all tasks are completed in a timely manner and to quality standards, while at all times maintaining a high level of customer service.
• Provide effective risk monitoring and control of a portfolio of business clients through timely completion of annual and other credit reviews, ongoing monitoring of the customers banking activities. Performance will be assessed against targets set on the basis of overdue reviews as a percentage of the portfolio under management
• Adherence to compliance and security policies and procedures, audit review
• Ensure effective management of commercial loans and mortgage exposures by ensuring i) accurate booking of limits on banking systems, ii) appropriate security and required documentation is in place in order to protect CCS' security position and to protect CCS from unnecessary loss
• Expand quality and profitable business with existing members and new customers referred by team members. Performance will be assessed against annual targets on i) profitability of the portfolio ii) deposits and iii) referrals
• Build and deepen existing customer relationships by; Effectively onboarding a customer to CCS by taking an active role in the account opening process; Demonstrating understanding of the entrepreneur/business by using available tools e.g. WYABC
• Build and deepen existing customer relationships by expanding the business relationship through cross sales of business products e.g. business credit cards and merchant services, cash management services, payroll services, foreign exchange
• Build and deepen existing customer relationships by successful referrals to other business units in areas of retail banking, wealth management, equipment finance, commercial insurance
• Process customer's requests accurately and within specified timeframes, in accordance with Credit Union Policies & Procedures and applicable legislative/regulatory requirements, to effectively and efficiently support and sustain exemplary customer sales, service and non-credit fulfillment.
• Provide proactive, friendly, courteous, knowledgeable and professional customer service, identifying opportunities and initiating qualified referrals to others including Retail and Commercial business lines in order to add value to the customer relationship. Take ownership of customer satisfaction by thoroughly identifying their needs, gathering information and handling any problems/issues tactfully and effectively.
• Prepare everyday banking (including account opening documentation), lending (non-security) and investment product documentation in a courteous and knowledgeable manner in accordance with established standards and legislative/regulatory requirements.
• Provide service support for basic Cash Management products, seeking assistance from specialists in cash management as needed.
• Prepares credit applications including collection and assimilation of information as necessary to make credit decisions. Conduct financial analysis as necessary.
• Identify, record and advise of any potential risk issues and recommend workflow and administrative process alternatives to improve efficiencies and customer service and assist in resolving audit and customer issues, ensuring irregularities are corrected, and provide timely, effective problem resolution, escalating issues as needed.
• Responsible for any required credit monitoring and compliance requirements. Complete any pre-funding due diligence and security documentation completion and follow-up.
• Protect the Credit Union's assets by understanding the risks and take appropriate actions relating to business banking. Identify risk related to personal banking, including deposit, investment and lending products and regulations, Bank Policies & Procedures, legal and ethical requirements, process requirements and established guidelines, to maintain operational integrity.
• Understand and comply with all regulatory and compliance requirements.
• Prevent loss due to fraud, counterfeiting, money laundering, or defalcation; identify and support suspicious and other reportable transactions or patterns of activity that are suspected to be related to money laundering.
• This role will be responsible for developing and expanding relationships with existing business members through effective cross sale and referrals to other business lines such as Retail, Equipment Finance, and Commercial Insurance.
• Actively collaborate with other business partners and branch contacts, to assist in executing sales and referral opportunities, and in acquiring and retaining profitable commercial relationships.

Who are we looking for?

• Minimum 4 - 6 Years of Job-Related Experience
• Experience in financial services including exposure to lending, commercial banking, portfolio management and business development.
• A Bachelor's Degree in Business/Commerce, MBA or other relevant designation (i.e. accounting designation) would be an asset. Accreditation in internal and external courses will be required for future mobility.
• Fundamental knowledge of commercial products (credit and deposits)
• Basic knowledge of financial statements, accounting principles and analytical skills
• Basic knowledge of commercial credit (analysis, policies, security analysis and monitoring)
• Basic knowledge of retail credit analysis, policies, security and legal procedures
• Basic knowledge of deposit and cash management products, security documentation, various legal entity structures and contract law

Equity, Diversity & Inclusion at Coast Capital

Don't meet every single requirement? At Coast Capital, we believe everyone has potential. We are committed to building better, brighter, more inclusive futures for everyone - including our employees. We see the potential in our employees to achieve amazing things and want to invest in your future. If you're excited about this career opportunity and your experience may not perfectly align with every qualification in this job posting, we still encourage you to apply. You may be just the right candidate for this or other opportunities at Coast Capital.

At Coast Capital, we are committed to equity, diversity and inclusion. We strongly encourage applications from Indigenous Peoples, Black, and racialized persons, persons with disabilities, people of diverse sexual and gender identities and women. We value applicants who have demonstrated a commitment to equity, diversity and inclusion and recognize that diverse perspectives, experiences and expertise benefit of our employees, our members, and our community.

Coast Capital is committed to providing an accessible recruitment experience. If you are a candidate with a disability and require accommodation(s) during any stage of the recruitment process, please contact us at [e-mail] or 778-391-5836. This contact is intended solely for inquiries or feedback related to accessibility barriers, accommodation requests or alternate format requests. We will work with you to ensure your needs are met. You will only receive a response to inquiries related to these topics.

Why join Coast Capital Savings?

• Purpose is our North Star. We look at everything through our purpose. It informs the advice we provide our members, the experiences and products we create, and the programs we build to support our employees and communities.
• Committed to inclusion and engagement. We have an ongoing focus on equity, diversity, and inclusion and routinely track how we're doing, and what we need to do to keep improving. We foster a culture where everyone can feel safe to be who they really are and thrive.
• A career that grows with you. We believe in developing our people and promoting from within. Many employees have spent decades, and sometimes their entire careers, with Coast Capital and have progressed from the frontlines to senior leadership.
• Work where you're most effective. In 2020 the world changed, and that includes how we work. In response to COVID-19 we launched myWork, which gives employees flexibility in where they work based on the nature of their role.
• Benefits that flex to the needs of you and your family. We offer comprehensive, customizable benefits for you and your family, so you can choose what fits best for you and your lifestyle.
• Retirement options. We also take care of our employees once they retire. That's why we offer the choice of a defined contribution or defined benefit pension plan or RSP's.
• Mortgage and auto financing benefits. Employees save thousands on their mortgages and auto loans with best-in-category benefits.
• Real Recognition. We recognize excellence throughout the year, through an online community that lets employees give kudos and thanks throughout the year. We're human, which means we like to have fun with events, celebrations, and recognition throughout the year.
• An award winning culture. We're a Platinum member of Canada's Best Managed Companies and are regularly recognized by Canada's Most Admired Corporate Cultures and the BC Top Employers Awards.
• We reinvest 10% back into the community. When we do well, our communities do well. That's why since 2000 we've invested over $90 million into our member's communities.
• Double your impact. Through our employee volunteer program, Coast Capital donates $10 for every hour you volunteer to a Canadian charity or non-profit of your choice.

D&I at Coast

At Coast Capital, we value diversity, equity and inclusion. We're not all the same and we like it that way. We don't just accept differences - we celebrate, support, and we thrive on them for the benefit of our employees, our members, and our community. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills.