Senior Business Lending Relationship Manager

SESLOC Credit Union; San Luis Obispo (CA); On-site; USD 120,700 - 156,200; Full time

Job summary

SESLOC Credit Union in California seeks a Senior Business Lending Relationship Manager to drive growth by prospecting and developing commercial real estate and business loans, delivering tailored financing solutions, and managing a portfolio to meet member and organizational goals.

The role requires strong credit analysis, underwriting CRE and business loans, gathering financial data, assessing risk, and maintaining portfolio performance; a bachelor’s in Business/Finance/Economics and 5–8 years

Qualifications

• Bachelor's degree in Business, Finance, Economics or related field and 5–8 years of progressive commercial lending experience with a financial institution.
• Ability to analyze tax returns, financial statements, and cash flow for underwriting.
• Experience structuring and underwriting CRE and business loans, including lines of credit and term financing.
• Ability to manage complex lending relationships and maintain a high-performing portfolio.

Responsibilities

• Originate commercial real estate and business loans to meet member and organizational goals.
• Develop and maintain tailored financing solutions for members.
• Structure and underwrite loans by gathering financial information and assessing credit risk.
• Manage a portfolio of member business loans with focus on profitability and performance.

Skills

Business development

Credit analysis

Relationship management

Commercial lending

Regulatory knowledge

Cross-functional collaboration

Time management

Market/industry awareness

Education

Bachelor's degree in Business/Finance/Economics

Job description

At SESLOC, it is the people that make the place. Rooted in academics, and locally headquartered for over 80 years, we are the credit union with the funny name. But to us, financial dreams and goals are serious business.

Job Summary

The Senior Business Lending Relationship manager drives new business growth through proactive prospecting and relationship development, originating commercial real estate and business loans to meet member and organizational goals. Delivers tailored financing solutions aligned with member needs. Structures and underwrites loans by gathering and analyzing financial information, assessing credit risk, and recommending appropriate loan terms. Manages an ongoing portfolio of member business loans, with accountability for portfolio quality, profitability, and performance.

For a detailed description of job responsibilities, please view the attached job description.

Key Qualifications

• Demonstrated success in business development, including cultivating new relationships and expanding existing commercial portfolios
• Ability to achieve production expectations through proactive sourcing efforts
• Strong financial and credit analysis skills, including the ability to analyze tax returns, financial statements, and cash flow
• Experience structuring and underwriting commercial real estate and business loans, including lines of credit and term financing
• Ability to manage complex lending relationships and maintain a high-performing portfolio Knowledge of commercial lending practices, risk assessment, and regulatory requirements
• Strong interpersonal, communication, and relationship-building skills with the ability to work cross-functionally
• Ability to balance multiple priorities, manage deadlines, and exercise sound judgment in decision-making
• Commitment to staying informed on industry trends and market conditions that impact commercial lending

Education/Experience

A bachelor's degree in Business, Finance, Economics or related field and five to eight years of progressive commercial lending or related experience with a financial institution, or an equivalent combination of education and experience.

SESLOC has a collegial, team focused work environment. We offer competitive compensation and excellent benefits including fully paid employee medical, dental and vision; vacation, sick, holiday time off; and a 401k with generous employer match.

Be sure to attach a cover letter explaining how you are the perfect fit for this role and a current resume.

EOE

As part of the recruitment process, SESLOC may run a bond check, credit check and criminal history check as part of the recruitment process. If SESLOC runs these reports, we will obtain your authorization first.

Salary: $120700 - $156200 per year