AVP, Small Business Relationship Manager

Navigant Credit Union; Lincoln (RI); Sur place; USD 110 000 - 150 000; Plein temps

Résumé du poste

Navigant Credit Union is seeking an AVP/Commercial Small Business Relationship Manager to develop and manage small business relationships through lending, deposits, and cash management. The role focuses on originating loans up to $500,000 and expanding customized financial solutions while maintaining credit quality and regulatory compliance.

You will partner with internal teams to deliver exceptional member service, grow deposits, and manage risk across a diverse commercial portfolio within

Qualifications

• Minimum 4–6 years of business banking, commercial lending, or small business lending experience.

Responsabilités

• Develops and manages small business relationships with a credible lending and deposits pipeline.
• Originates and manages loans up to $500,000 including term loans, lines of credit, CRE and SBA loans.
• Analyzes financial statements, tax returns, cash flow, and collateral to assess creditworthiness and prepare credit recommendations.
• Manages an assigned portfolio with ongoing monitoring, reviews, and proactive risk identification.
• Promotes cash management and other financial solutions to deepen member relationships.
• Builds referral networks with CPAs, attorneys, brokers, and CRE professionals.
• Maintains internal partnerships to support relationship growth and member wallet share.
• Represents the Credit Union in local chambers, organizations, events, and sponsorships to expand market presence.

Formation

BA/BS in Business, Finance, Accounting or related field

Outils

Microsoft Office

Description du poste

ABOUT THE ROLE

The AVP/Commercial Small Business Relationship Manager is responsible for developing and managing small business relationships through proactive business development, lending, and portfolio management activities. This role focuses on originating loans generally up to $500,000, growing deposits, expanding cash management services, and delivering customized financial solutions that help local businesses succeed. The position partners closely with internal business units to provide exceptional member experience while maintaining strong credit quality and regulatory compliance.

WHAT YOU WILL DO

1. Develops new small business relationships and maintains a credible, consistent pipeline of lending and deposit opportunities through disciplined prospecting, networking, referrals, community involvement, targeted market outreach, and timely follow-through.


2. Originates, structures, and manages business loans generally up to $500,000, including term loans, lines of credit, commercial real estate and equipment financing, and SBA loans.


3. Analyzes financial statements, tax returns, cash flow, and collateral to evaluate creditworthiness and prepare and present credit recommendations in accordance with Credit Union lending policies.


4. Manages an assigned portfolio of business relationships through ongoing monitoring, relationship reviews, and proactive identification of financial needs and emerging risks to maintain satisfactory credit performance, portfolio quality, documentation, member service, and retention.


5. Grows operating deposits and deepens product penetration by identifying, referring, and converting opportunities for cash management, business credit cards, merchant services, online banking, fraud prevention, and other financial solutions.


6. Develops and maintains referral networks with Centers of Influence, including CPAs, attorneys, business brokers, and commercial real estate professionals.


7. Builds strong internal referral partnerships and collaborates effectively with branches, Cash Management, Credit Cards, Residential Mortgage, Investment Services, Commercial Lending, Operations, and Compliance to support relationship growth, member retention, and expanded member wallet share.


8. Represents the Credit Union through chambers of commerce, professional organizations, networking events, sponsorships, and community activities to strengthen referral opportunities and the Credit Union's local market presence.


9. Ensures adherence to lending policies, regulatory requirements, credit standards, documentation requirements, member service expectations, and sound risk management practices.


10. Performs other duties as assigned by the VP, Relationship Manager Team Lead.

QUALIFICATIONS

Education

BA/BS in Business, Finance, Accounting or related field required.

Experience / Skills / Knowledge

1. A minimum of 4 to 6 years of business banking, commercial lending, or small business lending experience required.


2. Strong business development, consultative sales, and relationship management skills required, with a demonstrated ability to develop referral sources and Centers of Influence.


3. Must have knowledge of commercial credit analysis, financial statement and cash-flow analysis, collateral evaluation, loan structuring, and documentation requirements.


4. Experience managing business relationships and monitoring loan portfolios to identify financial needs and emerging credit risk required.


5. Must have a strong knowledge of business deposit, cash management, merchant services, business credit card, and related financial products and services.


6. Knowledge of applicable commercial lending laws and regulations, lending policies, credit standards, compliance requirements, and sound risk management practices required.


7. Must have strong service orientation aligned with the Credit Union's mission and core values.


8. Excellent verbal, written, presentation, negotiation, and interpersonal communication skills, with the ability to collaborate effectively across business units required.


9. Proficiency in Microsoft Office and relevant loan origination, lending, portfolio management, and CRM systems required.


10. SBA lending experience preferred; ability to travel within the assigned market as needed.

ABOUT US

Navigant Credit Union puts people first. Since 1915, we've helped Rhode Islanders build stronger financial futures-and today with $4 billion in assets, we're the state's largest credit union and one of New England's most trusted.

Our award‑winning culture-recognized as Rhode Island's Best Place to Work-is rooted in our Core Values: Leadership, Unity, Caring, Integrity. They guide how we serve members and how we support each other.

We invest in our team with standout growth opportunities and a best‑in‑class benefits package, including comprehensive health coverage, a generous 401(k) match, tuition reimbursement, competitive pay, and paid volunteer days.

If you're looking for meaningful work and a mission‑driven team, explore our open roles and grow with us.