Relationship Banker

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees.  Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Key Responsibilities:

• Serve as the primary point of contact for an assigned portfolio of commercial loan clients, including performing, non-performing, classified, and criticized.

• Conduct regular portfolio reviews, including annual credit reviews and interim financial updates.

• Collect and analyze financial statements, tax returns, and other required documentation to ensure compliance with loan covenants and internal policies.

• Monitor loan performance and identify early warning signs of credit deterioration.

• Collaborate with Sales Team, Credit Analysts, Portfolio Management to assess risk and recommend appropriate actions.

• Maintain accurate and up-to-date records in loan management systems.

• Support remediation efforts for watchlist loans and assist in developing strategies to improve loan performance.

• Ensure timely follow-up and resolution of client inquiries related to existing loans.

• Participate in internal portfolio review meetings and contribute to risk management discussions.

• Communicate both internally and externally with Senior Team individuals and third parties.

• Must be a "Player Coach", with personal responsibility for modeling and managing complicated assets, mentoring and managing financial analysts and less experienced Associates.

• Prepare presentations that will include background information, transaction structure, financial projections, and restructure recommendations.

• Work with third parties to deliver plans of action, including CPAs, attorneys, appraisers, and environmental consultants. 

• All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

Education:

• Bachelor’s Degree Required - Comparable experience in a financial institution may be substituted for a college degree at the rate; two years of experience for one year of education

Qualifications:

• 5+ years of experience in commercial banking, credit analysis, or portfolio management.

• Strong understanding of financial statements, loan structures, and credit risk.

• Ability to write clear and concise memoranda.

• Excellent organizational skills and attention to detail.

• Ability to manage multiple priorities and meet deadlines.

• Strong communication and relationship management skills.

• Proficiency in loan management systems and Microsoft Office Suite.

• The individual will have demonstrated an ability to work in a fast-paced, performance-driven environment with an ability to think broadly about the business, incorporating continual improvement of processes and procedures with a goal of excellence while focusing on accuracy and efficiency.

Preferred Qualifications:

• Experience working with watchlist or special assets portfolios.

• Familiarity with regulatory requirements and commercial loan documentation.

• Exposure to legal processes, including bankruptcy and UCC foreclosure.

• Exposure to diverse credit structures, complicated structured illiquid transactions, and a broad base of industries.

• The highest level of personal integrity and ethical standards. A positive attitude, strong work ethic and a desire to work collaboratively across the organization.

• Knowledge of nCino.

DISCLAIMERS AND WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment.  The position description is intended to be an accurate account of the essential functions.  The functions are not all encompassing and are subject to change at any time by management.

The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening.  Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources