Job Description

Job Summary

As the Business Banking Team Lead, you will oversee the team responsible for delivering an exceptional member experience to small business owners. Our product suite will be offered in a variety of channels, include an in-person branch channel, a new digital banking channel, and a phone channel. The Business Banking Team Lead will have thorough knowledge of how our product suite can meet a small business owner’s financial needs. This person will work closely with the retail team to ensure that branch staff and the Business Banking Team work collaboratively to offer a smooth experience for members needing loans, deposits and cash management solutions.

About UFCU

As Austin’s largest locally-owned financial institution, University Federal Credit Union is a financial institution owned by, dedicated to, and always working for our Members. Our mission at UFCU is simple: to provide for the well-being of our Members. We’re proud to focus on people — not profits. We deliver fair and honest products and outstanding service, and we work collaboratively within our organization as well as our community to help Members achieve their personal and financial goals.

Consistently receiving awards as the Top Credit Union and Top Mortgage Company, UFCU is proud of its people-first culture. We value our employees as much as our Members. We offer an environment where people care about each other – like family. If you want to love what you do, make an impact in your community, and have the power to help people change their lives – then we’re glad you’re here.

Essential Functions

Leading Self

Deliver an outstanding member experience to business members by providing business banking solutions tailored to the financial needs and circumstances of their business.
Develop and maintain trusted, positive relationships with employees, members and vendors.
Target business members with annual revenue of less than $5 million.
Identify and cultivate long-term, primary banking relationships for targeted businesses.
Collaborate effectively with credit and loan administration partners to identify and manage risk.
Ensure compliance with lending policies, procedures, guidelines, and regulatory requirements to maximize efficiency through the loan origination process.
Plan work and accomplish production goals based on experience and sound judgment.
Actively manage loan portfolio by enhancing the Member experience and monitoring risk.
Build collaborative relationships with partners across UFCU (Wealth Management, Mortgage Lending, Branch Teams, Insurance, Consumer Lending) to connect members with specialists who can help meet all their financial needs

Protect the firm by following sound risk management protocols and adhering to regulatory requirements
Maintain strict adherence and compliance to all laws, rules, regulations and internal controls specific to your role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.

Leading Others

Assist with Business Banking product development and service delivery as we expand our product suite to small businesses in our community in alignment with UFCU’s strategic plan.
Assist other Business Banking Specialists in understanding and meeting member’s deposit, loan and cash management needs.
Establish goals and best practices for the future Business Banking Specialist team and branch retail teams.
Coach, motivate, and develop team members supporting our Business Banking program.
Provide guidance on Business Banking policies and procedures.
Build deep relationships with retail leadership and staff to facilitate collaboration around an outstanding member experience for small business owners.
Help ensure the Business Banking team is meeting profitability and production goals and targets.
Serve as a subject matter expert and escalation point for team members by demonstrating extensive knowledge of Business Banking solutions.

Knowledge/Skills/Abilities

Thorough understanding of core business banking products and services
General business experience and knowledge of business credit
Strong communication skills with individuals at all levels, internally and externally
Understanding of how to coach and train a variety of stakeholders in order to achieve a seamless member experience
Ability to build relationships with members and internal partners
Ability to balance needs of members with associated risks and interests of the firm
Highly proficient in MS Office tools including Outlook, Excel, Word, and PowerPoint
Analyze, synthesize and communicate financial data and related issues in an accurate, objective and straightforward manner

Competencies

Adaptability
Building Member Loyalty
Building Partnerships
Communication
Emotional Intelligence
Focus on Results
Influence
Leading the Organization (Decision Making and Systems Thinking)
Leading Others (Building a Successful Team, Coaching & Developing Others, Leading Change, Servant Leadership)

Experience

Minimum Requirements

Minimum of 7 years experience in a business banking relationship management role selling and servicing loan, deposit and cash management products
Experience opening business deposit accounts and understanding business entity documentation
Bachelor's degree in Finance or related field or equivalent work experience
Previous experience training and coaching retail staff on business account basics
Previous experience utilizing a loan origination system
Previous experience onboarding business members onto a digital banking platform

Preferred Requirements

Advanced credit underwriting training
Sales management experience

Motivational Fit

Organizational Fit

Core Values
UFCU Mission
UFCU Vision
7 Credit Union Principles

Personal Attributes

Job Fit

Things You Need to Know Before You Apply

Physical Demands

The physical demands described are representative of those that must be met by an employee, with or without accommodation, in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Frequent

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.
Employee will make extensive use of the telephone or other communication platforms requiring the ability to effectively and accurately explain complex information.The work environment characteristics described 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.

Work Environment

This position is required to frequently work at UFCU Plaza in Austin, Texas.
May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
May occasionally move from one work location/branch to another.
Public contact position, requiring appropriate professional appearance.
Frequent computer use at a workstation of up to two hours at a time.
The noise level in the work environment is usually moderate.

Additional Job Information

Reports To

Supervision Exercised

Department

Manager, Business Banking

None

Business Banking

#INDUFCU

#LI-HQ1

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

This job was posted on Tue Jun 28 2022 and expired on Mon Jul 25 2022.

Minimum $27K /yr

$84K /yr Average

Maximum $570K /yr

Tasks

Direct and coordinate activities involving sales of manufactured products, services, commodities, real estate or other subjects of sale.

Resolve customer complaints regarding sales and service.

Review operational records and reports to project sales and determine profitability.

Oversee regional and local sales managers and their staffs.

Determine price schedules and discount rates.

Prepare budgets and approve budget expenditures.

Monitor customer preferences to determine focus of sales efforts.

Plan and direct staffing, training, and performance evaluations to develop and control sales and service programs.

Direct, coordinate, and review activities in sales and service accounting and record-keeping, and in receiving and shipping operations.

Direct clerical staff to keep records of export correspondence, bid requests, and credit collections, and to maintain current information on tariffs, licenses, and restrictions.

Advise dealers and distributors on policies and operating procedures to ensure functional effectiveness of business.

Confer or consult with department heads to plan advertising services and to secure information on equipment and customer specifications.

Represent company at trade association meetings to promote products.

Confer with potential customers regarding equipment needs and advise customers on types of equipment to purchase.

Assess marketing potential of new and existing store locations, considering statistics and expenditures.

Visit franchised dealers to stimulate interest in establishment or expansion of leasing programs.

Direct foreign sales and service outlets of an organization.

Skills

Reading Comprehension - Understanding written sentences and paragraphs in work related documents.

Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

Writing - Communicating effectively in writing as appropriate for the needs of the audience.

Speaking - Talking to others to convey information effectively.

Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

Active Learning - Understanding the implications of new information for both current and future problem-solving and decision-making.

Learning Strategies - Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.

Monitoring - Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.

Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.

Coordination - Adjusting actions in relation to others' actions.

Persuasion - Persuading others to change their minds or behavior.

Negotiation - Bringing others together and trying to reconcile differences.

Instructing - Teaching others how to do something.

Service Orientation - Actively looking for ways to help people.

Complex Problem Solving - Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.

Judgment and Decision Making - Considering the relative costs and benefits of potential actions to choose the most appropriate one.

Systems Analysis - Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes.

Systems Evaluation - Identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system.

Time Management - Managing one's own time and the time of others.

Management of Personnel Resources - Motivating, developing, and directing people as they work, identifying the best people for the job.

Knowledge

Administration and Management - Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

Sales and Marketing - Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

Personnel and Human Resources - Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

Computers and Electronics - Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

Education and Training - Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

Communications and Media - Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.