Business Services Program Director
Are you ready for the next step in your career is business banking? Do you have what it takes to make a difference for small business owners, connecting them to the resources and tools they need? Do you have two to three years experience assisting businesses with their bank accounts?
Our Business Services Program Director runs our business services program, including providing connections to our small business members to the resources and educational help they need to find success. This person works cross-functionally with leaders in deposits, operations, loans, marketing, and community outreach. It’s fun and fast-paced, with lots of room for creative ideas to meet goals.
Responsible for all aspects of the business services program needed for the credit union to meet business plan objectives. Demonstrates expert industry and professional knowledge, hands-on product and service experience, leadership, and intimate knowledge of the credit union’s goals and strategies. Develop, refine and promote business services and products to members and non-members through acquisition, retention and expansion of business services relationships. Responsible for serving existing business members while proactively uncovering and delivering quality solutions to meet the key objectives of business owners.
Essential Functions & Responsibilities:
- Cultivate business account relationships with new and existing members through external and internal business development activities that achieve credit union goals and business objectives. Includes utilizing all methods needed to secure new business and to meet plan objectives (not limited to; external business development, cold calling, profiling, networking, consulting, telephone sales, and appointment setting.). Coordinate with lending to successfully build commercial loan portfolio. Coordinate efforts to effectively service the existing business accounts & loans to retain and grow the business. Proactively uncover and propose sales opportunities in the current portfolio. Actively works with third-party vendors and partners to ensure optimal member experience. Effectively communicate key features and benefits or credit union products and services, including demonstration of remote access financial services. Deepen account relationships with new and existing business members to include both personal and business services.
- Coordinate and perform day-to-day business services activities in order to meet business plan objectives within the constraints of policy, procedures, and regulations. Works cross-functionally with deposit, loan, and technology services staff to best serve the member. Packages commercial loan requests to submit to underwriting, and upon approval, submit to the Business Loan Committee for approval, conduct document preparation, attending closing of loan. Serve as the primary resource to members and staff regarding business services products and requests including opening and servicing business deposit accounts.
- Oversee and evaluate business services products (including educational/support products) and procedures and make recommendations for changes as well as new products to manager. Advocate for business members when developing products and services. Coordinate training and support to insure the credit union staff have comfortable knowledge and sufficient competency in dealing with business products and services. Be a resource to staff and management for questions relating to business accounts and actively resolve problems as they arise. Actively work with business development on collaborative marketing efforts for business services products and services.
- Prepare reports and performs analysis as needed on the business services program. Monitor and report progress toward achieving the goals applicable to the business plan. Participates in preparation and implementation of business services strategies and budget that is consistent with the overall strategic plan and budget for the credit union.
- Perform other duties as assigned
- To outreach to local businesses, developing business in line of credit union objectives, and responding to requests from the business members.
- To take a cross-functional approach, working with deposit, lending, and other staff at the credit union as well as key vendors and partners to meet the needs of member businesses and the objectives of the credit union.
- To have sufficient understanding of business lending to package loans for underwriting.
- To advocate on behalf of the business and assist the business with deposits, loans, educational support, and administrative tools.
- To open and service business accounts.
- To complete product management of business deposits, loans, and services, analyzing and proposing modifications as necessary to meet objectives and strategies.
- To maintain an excellent knowledge of financial services offered by the credit union; to be knowledgeable of competitor's services. Understand the sales process and explain the most complex products, be recognized as a leader, resource and key contact.
- To exhibit an advanced level of performance; require minimal supervision and exhibit sound judgment.
- To provide educational resources for businesses through strategic partnerships and/or purchasing.
- To network and build relationships with referral sources, engage in networking activities, trade shows, chamber meetings, etc.
- To understand and effectively communicate business terminology when working with business members. Successfully recommend appropriate products and services to members and non-members you come in contact with.
- To ensure prescribed duties are carried out with prescribed time frames and with minimal errors.
- To train and support subject matter experts and other staff within the branches to be the face of business services on a daily basis.
- To represent the credit union’s brand and demonstrate SERVICE in the day-to-day business environment complementary with brand strategy. SERVICE are the Credit Union’s values of Solutions, Experience, Respect, Value, Integrity, Consistency, and Empowerment..
- Participates in preparation and implementation of business services strategies and budget that is consistent with the overall strategic plan and budget for the credit union.
- Demonstrates an understanding of and follows established policies, practices, and regulations, including those defined by the Safe Act, BSA, Red Flag, Safety and all other regulatory and other designated programs and regulations. The ability to observe and correct areas of non-compliance and assist the organization in meeting defined standards and requirements.
- To complete all coursework as assigned by management to include compliance, credit union products and service classes or other assigned coursework as assigned, with a passing score of 85% or better. CUES U Compliance Courses - Completed no later than the last business day in December in the year of the review period.
Knowledge and Skills:
Experience-.Two to five years of similar or related experience.
Education-College degree or equivalent in experience and/or classes.
Interpersonal Skills- A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary
Other Skills- Job function may necessitate changes in hours or location. Essential functions require external business development and travel throughout the Denver metro area to call on prospective business members. Strong communication skills, independent, resourceful and driven. Proven ability and willingness to identify needs and sell appropriate products. Strong presentation and PC skills. Attention to detail, and self - discipline to manage daily administrative task accurately and efficiently.
Physical Requirements- Physical/Environmental Characteristics: Ability to see and meet the physical requirements to drive. Essential duties are performed in a general office work environment and regularly require sitting and standing at a work station/desk while completing paperwork or using computers, calculators, copiers, fax machines and other business office machines and equipment. Essential duties may also involve: occasional kneeling, squatting, bending, walking, crouching, stooping and lifting up to 30 pounds to stack, store supplies or various office equipment, as directed. Compliance to security and safety procedures, including use of Personal Protective Equipment, is required.
Denver Community Credit Union is an Equal Opportunity Employer (EEO)
Job Reference #: 7493