Small Business Advisor

Gulf Winds Credit Union; Pensacola (FL); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

11.5 paid federal holidays

PTO starting at 18 days

401(k) with company match

Employer-paid life insurance

Short-term disability

Job summary

Gulf Winds Credit Union in Pensacola, FL seeks a Small Business Advisor to support the Commercial Department by tracking member-business development, preparing reports, managing schedules, and assisting with operational improvements. The role combines administrative work with proactive relationship building to deepen member connections and grow deposits and loan business.

You will engage with members and prospects, present product solutions, and collaborate with the VP of Commercial to meet

Qualifications

• Three to five years of similar or related experience.
• Bachelor's degree or industry certifications recognized as equivalent to a bachelor's degree.
• Strong communication and interpersonal skills with ability to build relationships.
• Willingness to travel as required to perform essential functions.
• Detail-oriented and highly organized, capable of handling multiple priorities.

Responsibilities

• Provide administrative support to the Commercial Loan Department during processing and closing of loans.
• Maintain a regular calling program to generate high-quality new deposits and loan business from members and prospects.
• Meet with members/prospects to discuss business needs and recommend financial solutions.
• Assist borrowers with updated financial information and communicate lending decisions.
• Represent Gulf Winds in civic/community functions to grow business.

Skills

Relationship building

Communication

Time management

Multi-tasking

Travel willingness

Education

Bachelor's degree

Industry certifications equivalence

Job description

Service Beyond Banking - At Gulf Winds, we are forward-thinking and team-oriented. We recognize and reward service that exceeds our members' expectations and, most importantly, have fun while working hard and impacting our community. We're looking for driven professionals who are passionate about service, fueled by purpose, and guided by core values of Integrity, Care, Growth, and Innovation

Our Values

Integrity

We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

Care

We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

Growth

We set ambitious goals, provide personal development opportunities, and encourage results.

We challenge the status quo to enhance the member's experience and solve tomorrow’s challenges today.

We Invest in Our People

We offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance.

• 11.5 paid federal holidays
• PTO starting at 18 days for new hires
• 16 hours of paid volunteer time
• competitively priced medical insurance
• dental and vision coverage with 100% of individual premiums paid by Gulf Winds
• employer-paid life insurance
• short-term disability coverage
• 401(k) with company match
• employer-funded pension plan
• flexible spending accounts
• tuition reimbursement
• wellness programs

Working at Gulf Winds

Working at Gulf Winds is not just a job, it is a career. We're hiring collaborative, motivated people who want to love what they do. We are forward-thinking and team oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team-focused environments
• Short and long-term professional development
• Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.

Role:

The Small Business Advisor supports the Commercial Department by tracking member-business development activities, preparing reports, managing schedules, and assisting with operational improvements. This role is crucial for optimizing workflows and enhancing team communication. Key responsibilities involve both administrative and member-facing tasks to ensure efficient lending operations. This position is responsible for proactively growing and deepening relationships with both existing and new small business members. This position will deepen the member relationship by presenting product and service solutions that meet the members' needs and financial goals. These products and services include deposits, treasury and credit solutions. As well as referring related products and services. In addition, the position will reach out into the community by visiting businesses, making outbound calls to members and may conduct educational seminars in the community. Candidates must handle multiple priorities, maintain confidentiality, and adapt to changing demands while demonstrating strong emotional intelligence and effective teamwork. Will collaborate closely with the VP of Commercial to align with strategic goals and implement a plan to rapidly grow the size of our commercial portfolio.

Essential Functions & Responsibilities:

• 20% Provides administrative support to the Commercial Loan Department throughout the processing and closing of loans.
• 20% Follows the sales management process ensuring a regular calling program to members and prospects is in place in order to generate high quality new deposits and loan business from existing members and prospects.
• 20% Meet with existing members and prospects through personal calling efforts and other contacts to discuss business needs and recommend ways in which the Credit Union can help provide business solutions to all their financial needs.
• 10% Works with borrowing members to procure updated financial information on an ongoing basis.
• 10% Communicates lending decisions to members.
• 10% Serves as a representative in various civic and community functions to further enhance the Credit Unions' image and develop additional business.
• 5% Provides administrative support to the Commercial Department throughout the processing and closing of loans and collects supporting documents for processing and loan approval.
• 5% Performs other job duties as assigned.

Performance Measurements:

• 1. Originate $600k in new business loans per quarter.
• 2. Contribute to deposit growth which will be tied to the loan portfolio (e.g. 10% deposit-to-loan ratio).
• 3. Maintain a healthy portfolio with delinquencies under 2%.
• 4. Referrals are handled expeditiously; loan interviews are conducted in a professional manner; all information is gathered accurately; rates and pricing are quoted accurately.
• 5. Strong relationships exist with business referral sources; referral rate is successful.
• 6. Community involvement or business development events attended.
• 7. Audits show all transactions and activity to be in compliance with all applicable regulations.

Knowledge and Skills:

Experience Three years to five years of similar or related experience.

(1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).

Interpersonal Skills Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills

• 'Effective organizational, multi-tasking and prioritization skills
• 'Excellent verbal, written and interpersonal communication skills
• 'Ability to work independently without supervision
• 'Ability to provide exceptional member satisfaction to retain and grow member business relationship
• 'Ability to travel if required to perform the essential job functions
• 'Must possess a working knowledge of current lending practices and policies and commercial loan documentation.
• 'Must be detail oriented, with excellent time management and organizational skills.

Work Environment The position is based in-office in our Pensacola, FL market, operates primarily in an office setting, and routinely uses standard office equipment such as computers, printers, and phones. This position requires consistent presence in the office to effectively collaborate with team members and fulfill job responsibilities.

The normal expected work schedule is Monday through Friday, 8:30a.m. to 5:00p.m. Occasional after-hours work or travel may be required to meet project deadlines or attend conferences, seminars, or client meetings. Must adhere to safety rules and regulations.

Gulf Winds is an Equal Opportunity Employer and Drug Free Workplace