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Sr. Business Relationship Manager 


Tropical Financial Credit Union has been servicing the community since 1935; we are a solid organization that has adapted to meet the needs of its community. We have expanded the Commercial Lending offerings to our business members with much success and rapid growth; we continue to grow, designing and developing a competitive, full-service business-banking program, including a full suite of business banking and treasury management products and services.

This new and exciting opportunity will provide the right candidate with the flexibility and autonomy to design and start the program in its beginning stages alongside a team of motivated and experienced business managers who were all former commercial bankers with local south Florida financial institutions.

Individuals on the job are responsible for assisting Tropical Financial Credit Union in achieving its purpose of guiding members successfully through the financial marketplace as we aim to build a customized solution to support the professional business segment, such as doctors and lawyers, among other professional practices, in a private banking-type atmosphere. The candidate will lead the initiative and development of the program alongside other experienced business officers.

The individual in this role will develop and support relationships with commercial and small business prospects and identify opportunities to convert them into qualified business members with the credit union, including acting as a business relationship manager for each relationship.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

  • Adhere to the Service Standards of Excellence defined by Tropical Financial Credit Union.
  • Generate, retain, and expand small business banking relationships to new and existing customers through referrals, centers of influence and direct prospecting with a concentration to small business generating between 1 million -10 million annual revenues, offering a full suite of business banking and treasury management banking solutions.
  • Call on existing or prospective small business clients in order to build new business and capitalize on opportunities, focusing efforts on depository products, including, but not limited to business checking, business savings, IOLTA accounts and Money Markets.
  • Use diverse communication strategies, referral relationships with internal and external partners, and existing business relationships to cultivate new business from customers and grow the market share by acquiring new customers.
  • Initiates calls independently or with other lines of business to develop new business with prospects that have moderate and complex financial needs.
  • Consistently meet established calling and referral targets. Maintain knowledge of industry trends, products, and technology to broaden new business opportunities and be responsive to competitive services and offers from other financial institutions.
  • Provides support in identifying target market segments in order to secure Tropical Financial Credit Union’s position as a broad-based provider of commercial financial services based on member trust and loyalty.
  • Provide support in the development of business relationships and effectively communicates to pursue leads, close business, and cross-sells consumer and business services.
  • Provide support in maintaining business relationships including but not limited to professional practitioners, doctors, lawyers, accountants, dentists, key business owners, and real estate investors to maintain community awareness of Credit Union products and services.
  • Maintains established department and organization policies, procedures, objectives and quality standards to ensure consistent compliance with all applicable Tropical Financial Credit Union, state and federal regulations.
  • Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending and Credit Card Act.
  • BSA Compliance: every employee is required to uphold the credit union’s compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions within TFCU will take into consideration the awareness of unusual or suspicious activity that is relevant to the department.
    • In addition to any other assigned training courses, online BSA and OFAC courses must be completed annually, as made available by the Training and/or Compliance Departments.
    • Ensure ongoing individual compliance with all regulatory requirements established in the SAFE Act, if required.
    • Comply with all TFCU policies and procedures to ensure compliance with such regulations.
  • Performs related duties as required with or without accommodation.


  • The Sr. Business Relationship Manager is responsible for adhering or exceeding to the goals of soliciting new deposit relationships and expanding existing relationships of all business types to increase retail deposits, market share, and profitability
  • Consistently generate and develop new business relationships through networking, building relationships with referral sources, and prospecting.
  • Analyze client needs and make recommendations for appropriate financial products and services to best meet the client’s needs.
  • Maintains and deepens existing commercial client relationships through regular outreach and engagement.
  • Establish and maintain ongoing relationships with industry influencers and key community and strategic partners. Participate frequently in local business and community organizations as a representative of the CU.
  • Partner with retail and other LOB partners to develop and execute strategies to meet production goals.
  • Responsible for the onboarding experience including deposit accounts, cash management, etc.
  • Respond swiftly to client inquiries and own issues through to conclusion.
  • Ensure all activities, transactions, and records are in compliance with operational, security, and control procedures of the Bank, as well as all applicable laws and regulations.


We offer Excellent Benefits such as:

  • Medical, Rx, Dental, and Vision Insurance
  • Retirement Profit Sharing 401K Plan
  • Accident, Cancer and Hospital Indemnity Plan
  • Prepaid Legal
  • Voluntary Life Insurance
  • Pet Discount Program
  • Paid Time Off/ 11 Paid Holidays
  • Tuition Reimbursement/Student Loan Paydown Program
  • And so much more!
Position Requirements

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • BS or BA degree, or appropriate experience may be substituted
  • 10+ years’ experience in banking - commercial/small business or private banking is preferred
  • Knowledge of the Martin, Palm Beach, and Broward and Miami-Dade county markets preferred.
  • Must have proven experience and sound knowledge developing relationships within the field.
  • Must have excellent written and verbal communication skills, both oral and written
  • An individual in this position is required to interact regularly with all credit union employees and external parties such as realtors, business leaders, and closing agents etc., therefore outstanding interpersonal skills are a must.
  • Ability to work independently, with minimal supervision at times.
  • Ability to facilitate presentations to individuals and groups
  • Individual in the position must be performance driven and capable of training others.
  • Analytical thinking required

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, sit and use hands to handle or touch. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Travel, up to 25%.

Full-Time/Part-Time Full-Time  
Exempt/Non-Exempt Exempt  
Location Miramar - Headquarters  
About the Organization Tropical is a not-for-profit, member-owned and member operated financial cooperative, serving South Florida since 1935. We operate a fun, and family-oriented work environment where every employee has the opportunity to learn and grow in their career and move up within the organization. It's an organization that values your contributions and rewards you for your performance. TFCU has proven to be an organization that is dedicated not only to TFCU's success, but the success of its employees and the financial success of our members.  
EOE Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.  

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