Job Title

Relationship Manager / Senior Relationship Manager Business Banking The role involves managing and growing a portfolio of midsize commercial banking accounts, building relationships with members, analyzing financial statements, and structuring credit and cashmanagement solutions. Responsibilities Manage and grow a profitable commercial financing portfolio of diversified Commercial business members. Structure, negotiate and document credit and cashmanagement arrangements outlining loan terms and conditions relative to risk, borrower needs and cost of administration ensuring an appropriate return to the Credit Union. Demonstrate a welldeveloped understanding and solid analytical skills in the areas of balance sheets, cash flow mechanics, and business plans presented by Members. Exhibit strong general business sense coupled with the ability to develop a comprehensive finance package structured exclusively to meet the members credit and noncredit needs. Actively monitor and manage the profitability of Meridians relationship with a member in order to retain and maintain business. Keep abreast of changes within diverse industry sectors and proactively identify opportunities to improve the growth and development of the assigned portfolio by analyzing member needs, trends and competitor offerings. Independently generate credit and deposit opportunities in the assigned region through cultivation of prospects, calling on referral resources, and networking with centers of influence. Proactively build and maintain a sales plan that includes outbound calling, marketing efforts and crossselling of Meridians products and services. Minimize loan risks through diligent, timely and proactive annual financial reviews and ongoing monitoring of changing economic and marketplace influences and applicable industry trends/data. Conduct extensive due diligence and prepare credit submissions in accordance with the companys standards and procedures and present them to the Regional Vice President. Focus on the highest quality Member service, ensuring alignment with overall Meridian and Commercial goals and objectives. Mentor and coach less experienced Commercial Services colleagues through collaborative teamwork and provide advice in relation to account management and credit structuring. Actively participate in Company and Community events and activities while demonstrating Meridian Values. Qualifications University Degree in Business, Finance or related discipline, or an equivalent combination of education and experience. Minimum of two to five years of progressive commercial lending experience in sales/service and managing a diverse portfolio in a commercial banking environment or similar field. Proven experience and expertise in structuring, managing and servicing medium to large real estate and construction financing deals is a definite advantage. Advanced knowledge of business lending policies, complex procedures, techniques and documentation requirements. Advanced knowledge of statutory guidelines and regulations governing business lending. Extensive credit and noncredit product knowledge with a desire to enhance the level and breadth of this knowledge base on an ongoing basis. Strong, proven origination, business development, relationship building and portfolio management skills. In depth knowledge of accounting policies and procedures. Effective knowledge of banking systems and computer applications. Advanced understanding of credit risk, credit structuring and underwriting skills. Strong negotiation, communication and presentation skills (both verbally and in writing). Ability to work independently with confidence and strong commitment to Member service. Comfort learning and adopting new digital tools, with an openness to using AIenabled technology to enhance productivity, accuracy, and the Member experience. This role represents an existing vacancy. Internal candidates are being considered as part of our standard process. Salary Range CAD $79,000 $110,000 Location This role is hybrid. Office locations: BBC 100 & 300 75 Corporate Park Dr, St. Catharines, and 69 John St S, Hamilton. Benefits and Working Environment Inclusive and collaborative working environment that encourages creativity, curiosity and celebrates success. Tools and technology needed to delight members and streamline work processes. Opportunity to work with and learn from diverse industry leaders. Hybrid work arrangements with inperson office time to collaborate, innovate and build relationships. Dynamic culture; this is not a typical corporate job we work hard and we have fun. EEO Statement Meridian is committed to promoting an inclusive, accessible environment, where all employees and customers feel valued, respected, and supported. We are dedicated to employing a workforce that reflects the diversity of our communities and Members. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression or disability. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. #J-18808-Ljbffr