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SECU · 11 hours ago

Commercial Relationship Officer

Albuquerque, NM

Full-time

Onsite

Mid Level

$78K/yr - $97K/yr

3+ years exp

State Employees Credit Union is seeking a Commercial Relationship Officer responsible for developing and managing high-quality commercial and industrial loan relationships. The role involves proactive business development, financial analysis, credit structuring, and portfolio management to support local businesses and strengthen the credit union's commercial loan portfolio.

AccountingBankingFinancial Services

Responsibilities

Identify, develop, and maintain strong relationships with business members, centers of influence, and community partners

Generate new C&I loan opportunities through proactive calling, networking, and referral cultivation

Serve as the primary point of contact for assigned business members, ensuring timely and professional service delivery

Represent the credit union at industry events, chamber meetings, and community functions

Evaluate borrower financial statements, cash flow, collateral, and guarantor strength to structure credit facilities that meet both member needs and credit union risk standards

Work closely with credit analysts and underwriting staff to prepare and present complete, accurate credit packages

Structure and recommend credit terms, including lines of credit, equipment loans, working capital loans, and asset-based facilities

Ensure all loans conform to internal policy, regulatory requirements, and sound banking practices

Monitor loan performance, borrowing base certificates, collateral trends, and covenant compliance

Proactively identify early warning signs of risk or credit deterioration and take corrective action

Conduct portfolio reviews and annual loan renewals

Maintain detailed and current documentation in compliance with policy and regulatory standards

Partner with Treasury Management, Deposit Operations, and other departments to deliver holistic financial solutions

Provide consultative guidance to members on cash-flow management, equipment acquisition, and working capital optimization

Ensure prompt response to member inquiries and high satisfaction throughout the relationship lifecycle

Perform other duties as assigned

Qualification

C&I lending expertiseFinancial analysisPortfolio managementBusiness developmentFinancial statementsCompliance knowledgeInterpersonal skillsNegotiation skillsCommunication skills

Required

Loan production volume and quality

Portfolio credit quality and delinquency

Member satisfaction and relationship retention

Compliance with underwriting standards

Cross-sell success with deposit and treasury services

Demonstrated expertise in C&I lending; operating lines, equipment financing, and asset-based

Strong understanding of business financial statements, cash-flow analysis, and collateral valuation

Excellent interpersonal, negotiation, and communication skills

Proven track record in business development

Education or experience equivalent to a Bachelor's degree in Business, Finance, Accounting, or related field, in addition to 3 to 5 years of experience in commercial lending, relationship management, or business banking

Must be capable to execute all terms and conditions set forth in the Employee Handbook, including but not limited to: Work in a safety conscious manner which ensures that safe work practices are used in order not to pose a risk to self or others in the workplace

Adhere to policy on Drug Free Workplace

Comply with company policies and procedures and local, state and federal regulations

Prolonged periods of sitting at a desk and working on a computer

Must be able to lift 15 pounds at times

Must be able to access and navigate each department at the organization's facilities

Preferred

Familiarity with NCUA commercial lending regulations preferred

Benefits

Highly competitive benefits package

Company

SECU

Glassdoor3.4

Even though we're North Carolina's largest credit union, we're still just "people helping people." We currently serve over 2.6 million members through more than 270 branch offices - and growing! Members have 24/7 access to account services from over 1,100 ATMs, as well as via phone, our website, and the SECU Mobile App.

Founded in 1937

Raleigh, North Carolina, USA

5001-10000 employees