VP Commercial Relationship Manager

Hudson Valley Credit Union; Town of Malta (NY); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Base & Variable Pay Structures

Paid Personal, Holiday & VolunteerTime

Professional Development & Training

Student Loan Repayment & Tuition Reim.

Medical, Dental & Vision Coverage

Employer 401(k) Match

Life, Short-term & Long-term Insurance

Discounted Loan Rates & Fees

Job summary

Hudson Valley Credit Union in New York is seeking a Commercial Relationship Manager to counsel prospective commercial loan applicants and assist them in completing the loan process in accordance with regulatory guidelines.

This role emphasizes building and maintaining relationships with members and referral sources, preparing loan proposals, and supporting closings. The position includes a best-in-class incentive plan and a sign-on bonus to attract top producers.

Qualifications

• Associate's Degree or 2 years equivalent experience required.
• NMLS registration required.
• Valid driver's license required.
• Minimum 3 years in business services/commercial lending experience.
• Minimum 2 years direct commercial lending experience.
• SBA loan origination experience preferred.

Responsibilities

• Develop and maintain relationships with referral sources and community partners.
• Respond to inquiries and leads from all sources.
• Recommend commercial loan products and explain risks/benefits to members.
• Maintain and develop the portfolio of commercial loan members and document efforts.
• Assist in preparing, managing, and presenting new loan proposals and renewals.
• Provide support to Processing/Underwriting to ensure timely loan decisions.
• Perform collection efforts for delinquent members and document actions.
• Adhere to policies, training and regulatory requirements including BSA.
• Collaborate with teams on projects and lean six sigma initiatives.

Skills

Relationship building

Credit analysis

Communication

Attention to detail

Education

Associate's Degree or 2 years equivalent experience

Job description

Overview

Hudson Valley Credit Union is currently recruiting for the position of Commercial Relationship Manager. Primary Function: Counsel prospective commercial loan applicants regarding the specific commercial loan programs that are appropriate for their financial circumstances and assist them in completing the process of obtaining a commercial loan in accordance with Credit Union and regulatory guidelines. Best in class incentive plan built for producers. No cap on earnings! Sign-on bonus available.

Responsibilities

• Responsible for the development and maintenance of internal and external relationships for referral sources within the community including, but not limited to, HVCU branches, realtors, attorneys, accountants and other affinity groups. Attend functions relative to the position to build rapport within the community.
• Respond to and follow up on customer inquiries and leads from all sources.
• Recommend Credit Union commercial loan products to members that would best serve them, advising them of the risks and benefits of the loan alternatives, including options and variables involved. Based on member need, identify opportunities for referral to other Credit Union products and services.
• Maintain and develop the portfolio of existing commercial loan members, responding promptly to all inquiries and requests and utilize approved methods to record the details of all efforts.
• Assist in the preparation, management and presentation of new loan proposals and renewals, including the documentation of the business income, assets, investments, and debts as well as characteristics of the property and other pertinent information.
• Follow up with members, as necessary, to obtain required documentation. Provide assistance as required to the Processing and/or Underwriting areas in order to ensure a quality loan decision.Prepare for and attend Commercial Loan Committee meetings and assist in closings, as needed.
• Perform on-going and consistent collection efforts/workout for assigned delinquent members. Document efforts in the file.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
• Embrace and apply HVCU's guiding principles to all activities and responsibilities. This includes the Credit Union's Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union's initiatives by demonstrating teamwork and professionalism.
• Responsible for regular and predictable attendance including punctuality.

Qualifications

• Associate's Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience required
• Registration with the National Mortgage Licensing System and Registry (NMLS) required
• Valid driver's license required
• Minimum 3 Years in business services/commercial lending experience required
• Minimum 2 Years Direct commercial lending experience required
• SBA loan origination experience preferred

Why Choose HVCU?

Join a team where your growth matters. At Hudson Valley Credit Union, we offer a supportive, community-focused culture, competitive benefits, and opportunities to grow your career while making a meaningful impact. Come be part of a Great Place to Work!

Employee Perks:

• Base & Variable Pay Structures
• Paid Personal, Holiday & Volunteer Time Off
• Professional Development & Training
• Student Loan Repayment & Tuition Reimbursement Programs
• Medical, Dental & Vision Coverage
• 401(k) With Employer Match & Non-Elective Employer Contribution
• Life, Short-term & Long-term Disability Insurance s
• Discounted Loan Rates & Fees

Hudson Valley Federal Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.