BUSINESS RELATIONSHIP OFFICER

Arizona State Credit Union is a local financial cooperative committed to meeting members' needs with enhanced services and community outreach programs. With $1.7 billion in assets and more than 133,000 members, the Credit Union supports Arizona communities with a full line of financial products and services available online and at 21 statewide locations.

Maintains a professional appearance and working knowledge of all products and services while representing the credit union. Communicates the benefits of all products and services to current and prospective business members, in order to develop and maintain long term relationships. Maintains a thorough knowledge of and compliance with, current credit union policies and procedures, as well as Federal and State rules and regulations. Enhances the growth and profitability of business loans, deposits and ancillary services. Provides input to the VP of Business Services on potential new products and/or trends in the industry. Demonstrates the ability to liaison between multiple credit union departments. Operates within the credit union’s prescribed credit authority and risk tolerance. Examines and evaluates preliminary credit requests and assesses credit quality. Prepares formal credit requests and authorizes or recommends approval of member applications for business loans by performing the following duties.

* Consistently follows a program of conducting scheduled sales calls and site visits, documenting all calling activity in the client management system. * Develops and manages a loan portfolio of credits with greater complexity, value and risk. * Consultatively interviews applicants and provides timely follow-up to answer questions, gather credit and financial information and obtain credit reports for loan requests. * Seeks out and delivers results-oriented sales presentations to procure sales of business loan, deposit and ancillary services to credit union members and prospects. * Prepares comprehensive analysis and underwriting of credit and financial risk in order to recommend appropriate loan structure and risk rating. * Effectively represents the credit union’s interest in negotiating loan terms and conditions with borrowers. * Provides documentation review of all loan documents for accuracy, prior to closing. * Works effectively with branch staff and other departments for joint calling activity. * Cross-sells all other credit union products and services, providing referrals to those respective areas as appropriate. * Networks with Centers of Influence and participates in community involvement activities to perpetuate business development and promote the credit union brand. * Adheres to all credit union policies and procedures at all times.

**Competencies** * To perform the job successfully, an individual should demonstrate the following competencies: * Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedures. * Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. * Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments. * Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings. * Written Communication – Ability to articulate in writing a summary of the salient points of financial and credit analysis in a comprehensive yet concise manner, supported by numerical details. Provide written correspondence to borrowers, brokers, attorneys or other professionals, to accurately convey terms and conditions of loan documentation, with proper punctuation and grammar. * Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works ethically and with integrity; Upholds organizational values. * Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. **Qualifications** * 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. **Education and/or Experience** * Bachelor's degree, from four-year college or university, in finance or related field with 10 years experience in commercial lending. Proven ability in commercial lending including Commercial and Industrial lending, Equipment financing and Owner Occupied and Investment Commercial Real Estate lending. **Language Skills** * Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. **Mathematical Skills** * Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. **Reasoning Ability** * Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. **Computer Skills** * To perform this job successfully, an individual should have knowledge of Spreadsheet software and Word Processing software. **Physical Demands** * 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to stand; walk and talk or hear. The employee is frequently required to sit and use hands to finger, handle, or feel. The employee is occasionally required to reach with hands and arms. Specific vision abilities required by this job include close vision. **Work Environment** * The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.