Member Business Relationship Officer

Our Company

At Raiz FCU, we share a passion for knowledge and a pursuit of growth. Grounded in our El Paso heritage as previously Teachers Federal Credit Union, since 1936 we are growing to help our community move into the future. We are inspired people, invested in you.  At Raiz, we guide our members to focus on what could be and help them get there. This new path inspires us to look ahead and the lead the way with passion. We can’t wait for you to join us.

Job Overview

This position reports to the Business Loan Officer Team Leader. This role requires someone who is enthusiastic about educating and assisting our members with our services. Responsible for providing loan services to Raiz FCU members/potential members, responsible for underwriting consumer loans and credit card applications, and for executing sales strategies to maximize loan funding’s with a thorough knowledge of lending policy and procedures. Consistently demonstrates the ability to think independently, outside the box and to effectively respond to unique member situations while demonstrating exceptional member service. Independently identifies sales opportunities with knowledge of all credit union products, offers services and solutions to best fit member’s needs. Demonstrates an unsurpassed commitment to red carpet service and teamwork. This position requires excellent people skills, phone skills, sales skills, and the ability to multitask. This position also requires someone who is highly motivated, positive, and can clearly and effectively communicate with members and all levels of staff in oral and written form. This position requires someone who is proficient with applicable technology and possesses the confidence to offer appropriate solutions to fit member needs and confidence to make sound decisions on loan applications while demonstrating exceptional member service. You will be an empowering mentor that will be:

• A trusted expert
• A natural communicator
• A champion for our members and the community
• A guide through the moments that matter the most to our members

Position Details:

Onsite

6610 Continental Dr. El Paso, Texas 79925

Monday-Friday, occasional Saturdays

Pay details:

$ 29.06 an hour plus a production and deposit incentive plan

Skills and Experience

• Education – High school diploma or equivalent required.  (Bachelor Degree Preferred)
• Minimum of 1-2 years business lending experience
• Minimum of 3 years of sale experience
• Strong understanding of business lending policies, and procedures, products, and services, laws and regulations.
• Excellent sales skills
• Excellent oral and written communication skills required.
• Professional phone etiquette, appearance and attitude
• Previous credit union experience is a plus
• Demonstrate leadership and interpersonal abilities
• Understanding of financial industry concepts, related laws, and regulations
• Critical thinking and problem-solving skills
• Well organized, attention to detail, time management skills
• Strong multi-tasking, team work, focus and the sense of urgency
• Proficient in Microsoft Office, Excel and web-based applications

Role Description and Essential Duties

• This role has business deposit goals and will they be responsible for business documentation review
• Responsible for assisting members promptly, efficiently, and professionally to meet member needs and meet Raiz FCU’s funding goals.
• Conduct loan interview and performs credit investigations for member business loans.
• Review and approve member business loans within assigned guidelines and authority. Makes recommendations on member business loans outside of authority level.
• Comply with all lending regulations and ensure all loans are within Credit Union guidelines.
• Cross-sell all services of the credit union
• Actively seeks opportunities to increase business member loan volume and business deposit growth.
• Provides an excellent member experience by relating well to the member, proactively selling products and services that benefit the member, thinking and exercising sound judgment, and acting responsibly in the member’s and the Credit Union’s best interest.
• Return phone calls within 24 hours
• Accurately determines values for various types of collateral.
• Displays a commitment to Red Carpet Service and strong interpersonal skills by building and maintaining positive relationships with members, team members, and external entities.
• Communicates effectively in writing and verbally.
• Follows up with key individuals immediately to resolve problems and/or respond to inquiries.
• Stay up to date on all current, applicable industry standards, and federal regulations.
• Responsible to keep track of all loan applications taken for the purpose of working in an organized manner and providing exceptional member service.
• Actively participates in and completes all ongoing required loan and sales training and attends all scheduled meetings.
• Performs minor maintenance on systems to include reviewing payment history, downloading documents, and researching outstanding items.
• Effectively manages time and resources.
• Supports and assists other lending areas.
• Complies with all Bank Secrecy Act (BSA) rules and regulations, in addition to Customer Identification Program (CIP). Attends required annual BSA training and required compliance training.
• Other duties assigned