Senior Business Relationship Manager

Corporate Opportunities Folsom, California

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Description

Salary Range: $120,000.00 - $150,000.00
THIS REQUIRES A LOCAL CANDIDATE - HYBRID 
Why SAFE?
SAFE offers so much more than just full medical, vision, dental, 401k matching, HSA, and FSA! Learn more about how we support our workforce!
  • Professional Development Opportunities: Offering training programs, workshops, and mentorship.
  • Recognition and Appreciation: Regularly acknowledging employee achievements and contributions.
  • Flexible Work Arrangements: Providing options for remote work and flexible scheduling.
  • Positive Company Culture: Fostering an inclusive, collaborative, and supportive work environment.
  • Career Growth: Clear paths for career advancement and internal promotions.
  • Work-Life Balance: Encouraging a healthy balance between professional and personal life.
  • Employee Empowerment: Allowing employees to make decisions and have autonomy in their roles.
  • Space of Belonging: ERGs, YOUnity Council and a focus around diversity, equity inclusion and belonging.  
  • Wellness Programs: Promoting physical and mental health through wellness initiatives and resources.
  • Strong Leadership: Having leaders who inspire, support, and guide their teams effectively.
  • Sense of Purpose: Creating a sense of mission and aligning company goals with employees' personal values.
POSITION PURPOSE
Responsible for acquiring, developing, and managing larger and more complex commercial banking relationships in support of SAFE Credit Union’s Commercial Lending strategy. This role executes an integrated sales, service, and relationship management approach by leveraging SAFE’s full suite of commercial lending, deposit, and treasury solutions to develop, retain, and responsibly manage a portfolio of business members. The Senior Business Relationship Manager is accountable for business development, credit analysis and structuring, relationship management, and ongoing portfolio and credit risk oversight to ensure portfolio quality, policy adherence, and consistently high-quality member experience. The position collaborates closely with internal partners and external referral sources to meet SAFE’s strategic objectives, optimize return to member, and preserve the safety and soundness of the credit portfolio. 
 
ESSENTIAL FUNCTIONS AND BASIC DUTIES
  • Identify, develop, and manage commercial relationships through a disciplined sales and relationship management process that includes targeted prospecting, calling strategies, and regular follow-up activities. 
  • Serve as the primary point of contact for complex credit relationships and transactions, including construction, renovation, and higher-risk or special credit situations, ensuring timely reporting, monitoring, and issue resolution. 
  • Act as the primary liaison between business members and Credit Administration/Portfolio Management to ensure timely financial reporting, annual reviews, covenant compliance, and sound credit administration. 
  • Monitor assigned loan portfolios for performance trends, policy exceptions, and emerging risks; proactively engage with borrowers and internal partners to mitigate credit concerns. 
  • Participate in negotiation and management of past-due loans, workouts, and default situations in partnership with Credit Administration and Loan Servicing. 
  • Review applications and supporting credit information to assess overall credit viability and provide clear, well-documented recommendations to Credit Administration. 
  • Communicate credit decisions, including declinations, to members and prospects in accordance with SAFE policies and regulatory requirements. 
  • Develop and maintain a strong understanding of SAFE’s credit policies, underwriting standards, and risk guidelines to ensure consistent application and compliance. 
  • Partner cross-functionally with credit, operations, retail, and treasury management teams to deliver timely, coordinated solutions and an optimal member experience. 
  • Optimize portfolio profitability and member value by focusing on high-quality, relationship-based lending and deposit opportunities. 
  • Provide product expertise and consultative guidance to business members, delivering creative, compliant financial solutions aligned with their operating needs. 
  • Develop annual business plans for assigned portfolios that include loan growth, deposit growth, and relationship deepening objectives. 
  • Recommend, establish, and maintain relationships with external referral partners and centers of influence to support ongoing business development efforts. 
  • Monitor market conditions, industry trends, and regulatory or policy changes that may impact portfolio performance or business member needs. 
  • Create community and market awareness of SAFE’s business banking products and services through networking, events, and outreach activities. 
  • Ensure job duties are performed within established controls, risk, and audit protocols.
  • Properly adhere to SAFE’s compliance policies and procedures.
  • Perform other duties, as assigned.
 
QUALIFICATIONS
 
Education/Certification:
Bachelor's degree preferred, or an equivalent combination of education and experience.
 
Required Knowledge:            
Ten or more years of commercial banking experience, with demonstrated skills in building and maintaining business relationships, as well as commercial credit underwriting. Broad knowledge of the banking industry, with emphasis on business.
 
Experience Required: 
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 
 
Skills/Abilities:
  • Ability to build positive relationships with business members and colleagues.
  • Capable of establishing professional expertise through integrity, dedication, and strategic counsel.
  • Ability to actively listen, comprehend business member issues and needs, and recommend solutions, with a service-focused mindset.
  • Ability to systematically structure work to provide for effective task performance and coordinated efforts, planning and prioritizing items to meet upcoming demands.
 
WORK ENVIRONMENT/PHYSICAL DEMANDS SUMMARY
 
LANGUAGE SKILLS
  • Excellent communication skills (verbal, written, listening skills, and empathy).
  • Expert ability to build relationships with other leaders, business partners, and stakeholders.
 
MATHEMATICAL SKILLS AND REASONING ABILITY 
  • Ability to interpret a variety of instructions furnished in written, oral, or schedule form.
  • Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
 
PHYSICAL DEMANDS AND WORK ENVIRONMENT
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. 
 
  • While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
  • The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
  • The employee must occasionally lift and/or move up to 10 pounds.
  • Specific vision abilities required by this job include close vision.
  • The noise level in the work environment is usually moderate.
 
 
 
INTENT AND FUNCTION OF JOB DESCRIPTIONS
 
This is not necessarily an all-inclusive list of job-related responsibilities, duties, skills, efforts, requirements or working conditions.  All descriptions have been reviewed to ensure that only essential functions and basic duties have been included.  Peripheral tasks, only incidentally related to each position, have been excluded.  Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions.  While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.
 
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.  However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.
 
Job descriptions are not intended as and do not create employment contracts.  The organization maintains its status as an at-will employer.  Employees can be terminated for any reason not prohibited by law.

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