Business Relationship Manager

Flcu; Gainesville (FL); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Dynamic team environment

Extensive training

Excellent benefits

Career growth opportunities

Job summary

Florida Credit Union is seeking a Business Relationship Manager to develop and manage relationships with small-business members with non-real-estate credit needs.

You will originate, structure, and coordinate non-real-estate commercial credit while coordinating onboarding and portfolio management. The role requires 3+ years in related banking, strong financial statement analysis, and compliance expertise.

Qualifications

• Preferred Bachelor's degree in business, finance, accounting, economics, or related field.
• Three+ years in business banking, small-business lending, or related roles.
• Working knowledge of business financial statements, tax returns, cash-flow analyses, and loan documentation.

Responsibilities

• Drive small business growth by prospecting and building trusted relationships with local business owners.
• Manage full commercial loan life cycle from interview to closing and funding.
• Open and support new business deposit accounts with compliant onboarding.
• Monitor relationships post-closing, manage risk, and ensure covenant/documentation compliance.

Skills

Business development

Relationship management

Credit analysis

Loan structuring

Regulatory compliance

Education

Bachelor's degree in business/finance/economics

Job description

The Business Relationship Manager (BRM) develops and manages relationships with small-business members whose credit needs do not involve real estate. The BRM originates, structures, and coordinates non-real-estate commercial credit within established transaction, aggregate exposure, policy, and individual lending-authority limits. The role combines proactive business development, deposit-account opening, loan-application processing, portfolio management, and coordinated onboarding support. The BRM serves as a connector across the credit union: consumer borrowing needs are referred to Retail, commercial real estate opportunities are referred to Commercial Relationship Managers (CRMs), and treasury-management needs are referred to the AVP of Treasury Management.

Your Key Responsibilities:

• Business Development & Relationship Management: Drive small business growth by proactively prospecting, building trusted relationships with local business owners, and deepening member relationships through tailored deposit, credit, and service solutions-while maintaining accurate activity records.
• Commercial Credit & Loan Origination: Manage the full commercial loan lifecycle-interviewing applicants, analyzing financial documentation, structuring credit requests within policy guidelines, and ensuring complete, compliant loan files from application through closing and funding.
• Deposit Account Opening & Business Onboarding: Open and support new business deposit accounts in compliance with regulatory requirements, ensuring a smooth onboarding experience through proactive outreach, issue resolution, and member education on available products and services.
• Portfolio Management, Risk & Compliance: Proactively manage assigned relationships post-closing; monitoring risk indicators, ensuring covenant and documentation compliance, and supporting collections or workouts as needed-while adhering to all regulatory, BSA/AML, and fair-lending requirements and prioritizing credit quality over production volume.

What We're Looking For:

• Preferred Bachelor's degree in business, finance, accounting, economics, or a related field, or an equivalent combination of education and relevant experience.
• Three or more years of progressively responsible experience in business banking, small-business lending, commercial lending, credit analysis, or a closely related role.
• Working knowledge of business financial statements, tax returns, cash-flow analysis, loan structuring, collateral, guarantees, and commercial loan documentation.

At Florida Credit Union, our mission is clear: to enhance the lives of our Florida neighbors through exceptional financial services. When you become a part of our team, you’re not just starting a new job; you’re joining a vibrant community dedicated to making a positive impact. We pride ourselves on fostering a dynamic, collaborative work environment where every team member is valued and supported.

Why You'll Love Working with Us

• Dynamic Team Environment: Work in a supportive and collaborative atmosphere where your ideas and contributions are valued.
• Extensive Training: Receive comprehensive training to ensure you’re set up for success from day one.
• Exceptional Benefits: Enjoy a competitive benefits package designed with your well-being in mind.
• Career Growth: Explore numerous opportunities for professional development and advancement within our organization.