As the nation's largest community credit union, we begin every day focused on delivering superior financial products and services for our 1.3 million members and more than $30 billion in managed assets. Our work has an economic impact as we support our members' financial goals. We are unapologetic about being devoted to our members and the communities we serve. Our business is guided by our people helping people philosophy – which includes our team members. 

BECU has been in business for more than 85 years, driven by unwavering core values and a dedication to improving the communities we serve. While we have a rich history, the future of our company, accelerated by business and technology transformation, is even brighter. There's never been a better time to work for BECU.

To learn more visit becu.org/careers.

PAY RANGE

The Target Pay Range for this position is $110,900.00-$135,600.00 annually. The full Pay Range is $86,100.00 - $160,300.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

BENEFITS

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage.  Employees have access to disability and AD&D insurance.  We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees.  Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan.  Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here.

IMPACT YOU'LL MAKE:

As a Sr. Business Relationship Manager at BECU, you will have the unique opportunity to drive growth and make a direct impact on the future of our business services. Your role will be pivotal in fostering new Commercial and Industrial (C&I) relationships and Commercial Real Estate (CRE) loans, enhancing existing C&I and CRE business member relationships, and creating stronger, long-term connections with our business members. You will use your expertise to craft strategic solutions and leverage BECU's full suite of lending products to ensure the success of your clients. By engaging with both internal and external partners, you’ll help guide BECU’s business services to new heights, all while shaping the financial future of our members. Your work will not only strengthen portfolios but will also ensure that BECU remains a trusted partner in the business community.

WHAT YOU'LL DO:

In this dynamic role, you’ll be a key player in the success of BECU’s business services and member relationships. Here’s how you’ll make a difference:

Lead with Collaboration: Coach and partner with Business Relationship Managers, Associate Business Relationship Managers, and Senior Specialists. You'll build strong connections internally and externally, cultivating relationships that drive success.

Partner with Purpose: Work closely with internal and external partners, such as COIs, to align strategies and meet Credit Union objectives, ensuring that both members and the organization thrive.

Manage Relationships & Portfolios: Be the main point of contact for complex loan transactions, including construction, renovation, and credit workouts. You’ll work with the Portfolio Management Team to ensure seamless reporting, collection, and monitoring for up to 200 CRE loans.

Champion Client Engagement: Connect with business owners and CRE operators to uncover personal needs, offering warm hand-offs to relevant partners within the Credit Union for further support.

Build and Grow Relationships: Take the lead in developing and managing key commercial relationships (C&I, Key Depositors, and CRE), focusing on Owner-occupied CRE, with a targeted approach that includes marketing, regular follow-ups, and strategic outreach.

Drive Financial Solutions: Actively promote and sell deposit products such as analyzed checking, ZBA, SWEEP, IOLTA, and other treasury management solutions, offering tailored business solutions to meet member needs.

Cultivate Business Partnerships: Recommend and maintain relationships with business partners, including Paychex, merchant services, and investment services, while ensuring service level agreements are met.

Ensure Optimal Member Experience: Manage portfolios to ensure maximum returns to members while maintaining operational excellence and adherence to policies and procedures.

Develop Strategic Plans: Create annual business plans to achieve goals for membership, loans, deposits, and non-interest income that support BECU’s strategic objectives.

Streamline Credit Administration: Collect and manage financial information from business clients for loan origination and annual review. Work closely with Business Credit Administration to ensure smooth approval, booking, and funding processes.

Analyze Credit Requests: Review financial statements, tax returns, and business profiles to assess the viability of credit applications, providing in-depth analysis and recommendations.

Maintain Portfolio Health: Regularly manage your assigned C&I and CRE portfolios, conducting annual, semi-annual, and quarterly reviews, ensuring proper covenant monitoring and credit analysis.

Communicate Effectively: Address declinations and communicate decisions to prospects and clients, ensuring clear and timely information while adhering to credit union and regulatory guidelines.

Handle Problem Credit Situations: Collaborate with leadership to negotiate collections, workouts, and defaults. Your timely communication will help navigate any credit issues that arise.

Stay Informed: Keep up-to-date with state and federal regulatory compliance laws, credit union credit policies, and trends in business and commercial loans, ensuring that your decisions are based on the most current knowledge.

Expand Member Engagement: Support Retail, Mortgage, Investment Services, and Indirect Lending teams by calling on prospective members to drive local engagement and foster relationships.

Increase Community Presence: Participate in local business and public groups to establish new referral sources and attract fresh opportunities. Use your community knowledge to help identify potential partnerships or co-branding initiatives.

This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU'LL GAIN:

A meaningful, hands-on role where your expertise directly contributes to BECU’s business growth and success.

Opportunities for professional development, allowing you to expand your skills and expertise within the financial services industry.

A chance to collaborate with a passionate, forward-thinking team, all focused on delivering exceptional service and solutions to our business members.

QUALIFICATIONS:

Minimum Qualifications:

Typically requires a Bachelor’s degree in business, or equivalent work or educational experience.

Typically requires a minimum of 10 years of financial institution experience in Business/Commercial Lending business development and Business/Commercial relationship management. 

Typically requires a minimum of 7 years of experience working with C&I borrowers and commercial real estate borrowers interpreting and understanding their financials.

Desired Qualifications:

Strong working knowledge of state and federal regulatory compliance laws, credit union credit policy, business & commercial loan products and services, accounting, marketing, sales, and financial and credit/portfolio management principles. 

Thorough understanding of financial statement analysis including C&I Businesses, Commercial Real Estate transactions, guarantor analysis, loan structuring, business and commercial products, including treasury management products, as well as implementation and servicing of these product.

Excellent sales, cross-selling and business development skills using an established sales performance management process.

Ability to source, structure and present business solutions to existing and prospective member businesses.

Excellent interpersonal skills to ensure partner/member related issues are handled in a fair, consistent manner.

Proficient verbal and written skills to effectively communicate.

Strong financial acumen and analytical skills.  Ability to assess credit risk in C&I and CRE opportunities.

Thorough understanding of product profitability and pricing analysis.

Ability to make and service a broad range of complex business loans.

Ability to effectively use accounting principles and budgeting skills.

Ability to outline proposed credit structures for effective underwriting.

Moderate travel by car and/or public conveyance for trips.

JOIN THE JOURNEY:

Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney

EEO Statement:

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.