Local Business Relationship Manager

**TEAM LOCAL is hiring**

Built on over 75 years as a BC credit union, Prospera Credit Union is a community-based, purpose-driven organization that offers a full range of financial products and services. Prospera is British Columbia’s fourth-largest credit union, with $9 billion in assets and 120,000 members. With 26 branches, Prospera is proud to serve communities from Vancouver, through the Fraser Valley, and to the Okanagan. It’s our vision to help build vibrant healthy communities, thriving local enterprises, and financially empowered people.

Do you have a knack for business banking and love providing great service? We are currently seeking a **Local Business Relationship Manager**, who will be responsible for growing and maintaining a portfolio of high value micro businesses and their owners. This business banking hybrid position will attract, build and retain relationships by providing customers with integrated financial advice and solutions to meet their business and personal banking needs. If this sounds like you, read on

**What you’ll do**:

- Maintain a network of key contacts, enhance the credit union's image and reputation through effective public relations.
- Represent the credit union in the community, and at business events.
- Review assigned portfolio and ensure customers have appropriate lending and other products; Leverage the expertise of specialists to fulfill on customer’s business and personal needs through referral to appropriate Prospera Lines of Business if opportunities are apparent.
- Negotiate and implement revised or new banking arrangements for customers and/or prospects.
- Complete due diligence and investigation; analyze and interpret financial and other information; assess value of security; make recommendations for new loan, loan renewals and amendments within the guidelines of PCU lending policy and procedures.
- Provide creative and flexible solutions in structuring credit with appropriate supporting commentary. Submit recommendations for credit to appropriate approval level.
- Review reports for assigned portfolio to identify potential problems and contact customers to resolve issues; develop action plan to ensure risk is minimized.
- Determine and recommend whether to retain, expand or de-market existing relationships based on analysis of credit risk, profit contribution and other considerations and submit recommendation to appropriate level of authority.
- Coach and educate local business customers to ensure financial records are up to date and provide advice to assist with the success of the enterprise.
- Visit customers on a regular basis to observe business operations, develop additional business opportunities and ensure loan security is protected.

**What you bring**:

- Post-secondary diploma/degree, ideally in Commerce, Business Administration or an equivalent combination of education and experience.
- 2-3 years of business lending experience within a financial institution is preferred.
- Proven sales success demonstrated by exceeding sales targets.
- Ability to cultivate long term member relationships as well as acquire new clients.
- Demonstrated success with business development and prospecting activities including building and leveraging valuable “centers of influence” within the local community.
- Strong written communications skills, including the ability to write detailed reports and credit submissions.
- Excellent communication, time management and organizational skills with the ability to work under pressure to meet deadlines
- Excellent knowledge and comfort level with computer software programs, i.e. Word and Excel.

**Our Values**

Cultivate trusting relationships: We are local at heart, aligned in our purpose to help our members, communities, and team thrive.

Empower and enable others: We give each other the space, trust, and tools to succeed.

Lead with curiosity: We approach all circumstances with curiosity and a drive for continuous learning and improvement.

Embrace change and execute with purpose: We plan with agility, take action, and pivot to deliver results.

Thrive as One Team: We collaborate because it strengthens us.

**What’s in it for you?**

**Inclusive, equitable and accessible workplace**:All team members are valued, respected, and heard. We learn from each other’s differences, gaining strength through our people and our perspectives.

**Training and Support.** We set our employees up for success with training and continued support and access to resources throughout employment.

**Career Advancement **We are committed to our employee’s growth and development and we want to see you soar.

**Fun & Camaraderie. **We care deeply about our members and our employees and we want the hours you spend with us to be fun, rewarding and sometimes lighthearted. We like to work hard, play hard, have fun and be there for each other.

**Show me the money **We offer competitive pay, a personalized benefits program, and a generou