Business Relationship Manager

Kids for the Future; Capitola (CA); On-site; USD 99,000 - 121,000; Full time

Benefits offered by this job

401(k) Matching

Annual Bonus Eligibility

Health Coverage That Cares

Employee Assistance Program

Wellness Program

Rocket Lawyer Legal Services

Pet Insurance

Aflac supplemental plans

Hybrid Work Environment

Job summary

Bay Federal Credit Union is seeking a Business Relationship Manager to implement and grow our Business Lending program in the Santa Cruz area. You will develop long-term relationships with business owners, manage lending processes from origination to closing, and deliver exceptional service across all member touchpoints.

The role requires 3+ years in business lending, strong credit analysis, and the ability to drive portfolio growth while maintaining compliance and risk controls.

Qualifications

• Bachelor's degree in Business, Economics, Finance, or related field.
• Minimum of 3 years of experience as a Business Loan Officer with proven results.
• Strong financial and credit analysis skills to evaluate complex lending scenarios.
• Demonstrated experience developing business relationships and meeting production goals.
• Solid understanding of business lending products, underwriting, credit risk, and loan documentation.
• Excellent relationship-building and communication skills with members, referral partners, and internal teams.
• Strong organization and time-management skills with the ability to manage multiple priorities.

Responsibilities

• Develop and maintain long-term relationships with business owners and referral partners.
• Serve as a primary relationship manager for business members, delivering exceptional service throughout lending and credit management.
• Originate business loans and analyze financials, credit, collateral, and other information to recommend lending solutions.
• Prepare credit memos, annual reviews, underwriting materials, and loan committee presentations.
• Meet or exceed individual and department production goals while advising on competitive loan pricing for portfolio growth.
• Monitor credit quality and resolve documentation, collateral, past-due, and other credit exceptions.
• Coordinate collection, verification, documentation, and closing of business loans for a smooth member experience.
• Collaborate with branches and departments to generate leads and cross-sell Credit Union products.

Skills

Relationship building

Credit analysis

Communication

Time management

Organization

MS Office

Education

Bachelor's degree in Business, Economics, Finance, or related field

Tools

Lending software

Microsoft Office

Job description

• Base Pay $110,000.00 - $110,000.00 / Year
• Employee Type FT Exempt

• Name Talent Acquisition
• Phone [phone]
• Email [e-mail]

About the Role:

Business Relationship Manager is responsible for implementing and growing the Business Lending program. Develops and maintains long term relationships with business owners within our field of membership. Champions and manages the origination of business loans and contributes to the successful achievement of the Business Services objectives, policies and practices. Responsible for personal production which drives and facilitates an environment of exceptional service and effective relationship building for business lending products and services at all member touch points.

Scheduled Weekly Hours:

40 hours per week; Monday – Friday; 8:30 – 5:00pm

What you’ll be doing:

• Develop and maintain long-term relationships with business owners and referral partners throughout Bay Federal’s market area.
• Serve as a primary relationship manager for business members, delivering exceptional service throughout the lending and credit management process.
• Originate business loans and analyze financial statements, credit, collateral, and other information to recommend appropriate lending solutions.
• Prepare credit memos, annual reviews, underwriting materials, and loan committee presentations that clearly identify and mitigate risk.
• Meet or exceed individual and department production goals while recommending competitive loan pricing strategies that support portfolio growth.
• Monitor credit quality and resolve documentation, collateral, past-due, and other credit exceptions.
• Coordinate the collection, verification, documentation, and closing of business loans to ensure an efficient member experience.
• Partner with branch teams and other departments to generate leads, strengthen business relationships, and cross-sell appropriate Credit Union products and services.
• Maintain compliance with applicable Business Lending regulations, policies, and procedures while recommending updates and improvements as needed.
• Plan and execute business development and calling efforts to grow Bay Federal’s Business Lending portfolio and referral network.

You’re Perfect For This Role If You Have:

• Bachelor’s degree in Business, Economics, Finance, or a related field.
• Minimum of 3 years of experience as a Business Loan Officer with proven results.
• Strong financial and credit analysis skills with the ability to evaluate complex business lending scenarios.
• Demonstrated experience developing business relationships, generating new business, and meeting production goals.
• Strong understanding of business lending products, underwriting, credit risk, and loan documentation.
• Excellent relationship-building and communication skills with members, referral partners, and internal teams.
• Strong organization and time-management skills with the ability to manage multiple priorities.
• Proficiency with Microsoft Office and other business lending technology.

Who We Are:

Bay Federal Credit Union was started in 1957 when local school teachers pooled their money together to start a credit union. This original vision and investment has grown into the area’s largest locally-owned financial institution, with nearly $1.6 billion in assets. Today, Bay Federal provides full service financial products and solutions to individuals and businesses in Santa Cruz, Monterey, and San Benito counties.

As a local, member-owned, not-for-profit financial cooperative, we are passionate about contributing to the community and being an integral part of its incredible story. Each year, our employees volunteer their time and donate their money to local non‑profits, schools, and events. Our managers serve on local non‑profit Boards of Director to be involved, understand challenges, and to make a real difference in the communities we serve.

From our founding as a teacher’s credit union, Bay Federal has continued our commitment to education. We offer annual student scholarships for members and offer a comprehensive array of solutions to support our member’s financial wellness. Through online financial education course offerings, solutions for teachers and students, as well as special programs for youth, our financial wellness programs are free and available to the public. This is a small part of our work in creating thriving and vibrant communities!

We look forward to continuing our story, and hope that you will be a part of it!

Why You’ll Love Working at Bay Federal Credit Union

At Bay Federal, we believe that when our employees thrive, our members and community do too. We’re proud to offer a comprehensive benefits package and meaningful perks designed to support your well‑being, growth, and success, both at work and beyond.

• 401(k) Matching: We’ll match your contributions dollar-for-dollar up to 5% of your pay.
• Annual Bonus Eligibility: Share in our success through our annual bonus plan.
• Health Coverage That Cares: Choose from quality Medical, Dental, Vision, Life Insurance, and Long-Term Disability options.
• Employee Assistance Program: Receive up to six face-to-face sessions per person, per reason, for you and your household.
• Wellness Program: Holistic support for your physical, financial, and emotional health.
• Rocket Lawyer Legal Services: Company-sponsored program that provides legal documents, advice, and attorney assistance for a wide range of needs.
• Additional Options: Customize your coverage with Pet Insurance and Aflac supplemental plans.

Perks That Set Us Apart

• Recognized as the #1 Credit Union to Work For by Credit Union Journal.
• Named a Best Place to Work in the Bay Area by SF Business Times and Silicon Valley Journal.
• 11 paid Federal Holidays each year, so you can recharge and celebrate.
• Access to industry-standard webinars and LinkedIn Learning courses.
• Leadership partnership with Cabrillo College – a 12-week program designed for emerging supervisors and managers.
• $1,500 Mac McCormac Employee Scholarship to support your education goals.
• Hybrid Work Environment: Enjoy flexibility with remote work opportunities and connect in person during our biannual All-Staff Meetings.

Bay Federal Credit Union is proud to offer a competitive, robust compensation and benefits package. Bay Federal considers many factors in determining base pay such as experience, education/training, internal peer equity, job location, and other business considerations when extending an offer. For Santa Cruz, CA only, the pay scale Bay Federal reasonably expects to pay for this position is $110,000 annually. Salaries are based on the geographic location in which you live if working remotely.

Bay Federal provides health care benefits, life and disability insurance, paid holidays and 401k with a company match to eligible employees; along with employee paid voluntary benefits. Paid time off is accrued per paycheck for eligible employees at a rate based on your tenure. Leaves of absences are available in adherence with state and federal regulations.

Bay Federal is committed to providing equal employment opportunity for all persons regardless of age, disability, national origin, race, color, religion, sex, sexual orientation, gender, gender identity or expression, pregnancy, veteran or military status, marital and civil partnership/union status, alienage or citizenship status, creed, genetic information or any other status protected by applicable federal, state, or local law. Bay Federal is at at-will employer.

For CCPA's requirements regarding security practices and procedures, please see our privacy page here (https://www.bayfed.com/privacy). Bay Federal Credit Union takes our obligation to keep our member's data safe and secure and adhere to industry standard best practices.

Additional Information

• Is this requisition for a backfill or a new position? New Position