Achieva Credit Union · 2 weeks ago
Sr Commercial Relationship Manager
Largo, FL
Full-time
Hybrid
Senior Level
7+ years expAchieva Credit Union is a financial institution seeking a Senior Commercial Relationship Manager to acquire and manage commercial banking members. The role focuses on developing relationships, managing portfolios, and ensuring compliance with banking regulations.
AccountingBankingFinancial Services
Responsibilities
Maintain and grow a profitable portfolio of mid to large-sized complex business in the target market with annual revenue ranging from $4MM to $40MM, through disciplined and proactive business development and relationship to grown loan, deposit and treasury services
Focus on our target member profile, understand their financial needs, and effectively communicate our value proposition
Prioritize relationships effectively and execute appropriate relationship management plan for each member and prospect
Take consultative approach to understand the member’s/prospect’s objectives, effectively identify financial needs, implement appropriate financial solutions, and undertake ongoing review and assessment to ensure plan execution
Review and analyze personal and business financial data generated through relationship reviews and personal meetings
Participate in community events and networking activities to increase awareness and presence of Achieva Credit union in the community
Maintain strong market knowledge and develop, retain, and expand relationships with Centers of Influence i.e., CPA’s, attorneys, commercial real estate agents
Attains established credit union production goals through active participation in sales management process
Collaborate with branches, member service team, product team and senior management to ensure an excellent client experience
Understand and address key relationship stakeholders, and key buying influences
Develop an in-depth knowledge of Achieva Credit Union’s products and services and analyze the needs of members and prospects to effectively recommend appropriate products or services
Identify opportunities to cross-sell Achieva Credit Union products to meet member’s needs
Maintain a working knowledge of Achieva Credit Union’s operating policies, credit policies and procedures which impact commercial relationships
Identify key risk factors associated with business opportunities and clearly articulate a thorough credit recommendation
Prepare credit presentations for loan requests ranging from $500K to $30MM and participate in underwriting and credit approval process
Structure loan request and obtain credit approval, negotiate terms, and effectively document credit actions and agreements
Ensure that all loans are documented completely, and that any documentation or loan policy exceptions are addressed and resolved
Review business tax returns, CPA compilations and CPA reviewed financial statements
Accountable for overall portfolio management, compliance, and risk
Monitor direct and operating exposures of portfolio to ensure actual performance is consistent with approved limits and loan structures; and is consistent with the understanding/ expectations that informed our credit approval
Initiate timely changes to risk ratings to reflect changes in conditions that impact our customers and the Credit Union’s risk exposure, including regulatory compliance, via annual review of the borrower’s financial documents
Complete accurate and timely credit actions, including annual/periodic reviews, renewals, and modifications
Ensure that borrower reporting requirements and financial covenants are met
Work in close partnership with credit administration
Treat people with respect, keep commitments, inspire trust of others, work ethically and with integrity, uphold organizational values and accepts responsibility for own actions
Exhibit leadership by example, pursuing high performance and professionalism
Mentor and develop team members and branch personnel
Complete Achieva Credit Union’s training requirements, follow policies and procedures, and maintain proficient knowledge of rules and regulations, especially as related to commercial relationships
Complete administrative tasks correctly and on time and supports the Credit Unions goals and values
Support initiatives that position the credit union as a top employer through leadership, integrity, and service excellence
Take initiative to perform other essential functions as needed to support the team
Travel may be required on occasion
Be available to work flexible hours including evenings, weekends, and holidays, to meet member and business demands
Qualification
Required
Bachelor's degree in business, finance or accounting or equivalent combination of education and relevant work experience
7+ years' business banking/ commercial sales experience
3 years' experience with lending, portfolio management of complex commercial relationship and developing, structuring, underwriting, and negotiating credit transactions
Strong knowledge of credit products and processes, including real estate and SBA lending
Thorough knowledge of complex commercial loans and Treasury Management services
Understanding of Cash Flow lending, Corporate Tax returns, CPA Compilations, CPA Reviewed Financial Statements and audited financial statements
Formal credit training, or equivalent credit risk experienced
Self-starter with the ability to take ownership of relationships with minimal supervision while effectively communicating with senior management
Ability to negotiate terms and conditions of approvals within assigned parameters
Ability to prepares and presents for approval; thorough, timely, and accurately analyzed credit presentations
Effective oral and written communication skills with the ability to listen effectively to the issues of members and employees
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations
Effective organizational and time management skills
Ability to effectively utilize computer technology. Proficiency in Microsoft Office Suite programs
Company
Achieva Credit Union
Achieva Credit Union offers business loans and accounts, home loans, student loans, youth accounts, and credit card services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
John Wintermeier, CIE, CCE
SVP/CIO
Jim Dawson
Chief Data and Development Officer
Recent News
2025-12-11
Tampa Bay Business Journal
2025-03-06
2025-03-06
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