Business Services Manager

Where Banking Feels Like Belonging

At APGFCU, our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We prioritize purpose and connection in how we serve our members, co-workers and communities - helping to navigate life's little and big moments.

Who we are:

As a member-owned, not-for-profit credit union, APG Federal Credit Union (APGFCU®) empowers our members with financial products and services to support them at every stage of their financial lives, helping them become money smart and financially independent. We proudly serve people in:

• Harford County
• Cecil County
• Baltimore County
• Baltimore City

We believe banking should feel personal, supportive, and human. That goes for our members and our employees. Here, you’re not just filling a role — you’re making a difference in your community.

Our team lifts each other up and our leaders invest in your growth. We celebrate wins, recognize and value contributions, and support each other through challenges. We strive for meaningful connections across our teams, because that’s what belonging is all about.

Let’s build something meaningful together.

Role Summary:

Under the direction of the Vice President of Business Banking, the Business Services Manager drives the growth, development, and ongoing success of APGFCU's business deposit and small business lending portfolio. This role combines business development, relationship management, sales leadership, and operational expertise to support business members and employees throughout the organization. Success in this position comes from building strong member relationships, achieving growth goals, coaching staff, identifying lending opportunities, and ensuring the highest standards of compliance, professionalism, and service delivery.

Key Responsibilities:

• Business Development & Portfolio Growth (25%): Grow business deposit balances and small business loan volume by developing new relationships, expanding existing relationships, and achieving monthly sales goals.
• Member Relationship Management (20%): Meet with business members and prospects to assess needs, recommend appropriate products and services, establish accounts, and support lending and deposit relationships.
• Business Lending Administration (15%): Collect financial information, process loan applications in the Loan Operating System, settle approved loans, and identify larger lending opportunities for referrals.
• Staff Coaching & Sales Development (15%): Provide ongoing coaching, training, and support to member-facing employees through joint sales calls, product education, and business banking guidance.
• Product Knowledge & Operational Support (10%): Serve as a subject matter expert on business deposits, lending products, online banking, merchant services, ACH, wires, remote deposit capture, mobile capture, and related services.
• Market & Strategy Development (5%): Partner with leadership, vendors, and marketing teams to develop effective sales strategies while monitoring competitor products and pricing.
• Compliance & Risk Management (5%): Ensure compliance with federal and state regulations, NCUA requirements, BSA/AML guidelines, and internal policies and procedures.
• Community Engagement & Relationship Building (5%): Represent APGFCU at networking events, community functions, and business development activities that support organizational growth.

• Complete all required training and demonstrate ongoing compliance with APGFCU policies and procedures.
• Maintain compliance with applicable federal regulations, including but not limited to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Information Security, and related regulatory requirements.
• Perform other related duties and special projects assigned.

• Physical Demands: This role requires regular travel throughout APGFCU's field of membership, including driving to member meetings, branch locations, and community events. The position regularly involves standing, walking, sitting, speaking, hearing, and using hands for computer and office-related work. Occasional lifting and transporting materials up to 25 pounds may be required. Reasonable accommodation may be provided to enable individuals with disabilities to perform the essential functions of the position.

A Typical Day in the Role:

• Meet with business members and prospective members to discuss deposit and lending needs.
• Open business accounts and provide guidance on treasury and cash management services.
• Process and review small business loan applications and related documentation.
• Collaborate with branch staff to identify referral opportunities and support sales efforts.
• Conduct training sessions and coaching conversations with member-facing employees.
• Monitor business portfolio growth, sales performance, and goal attainment.
• Respond to member and employee questions regarding business banking products and services.
• Attend networking events, community meetings, and business development appointments.

Qualifications:

• Education: Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field required; equivalent combination of education and experience considered.
• Business Banking Expertise: Seven or more years of business deposit and small business lending sales experience within a financial institution.
• Product Knowledge: Comprehensive understanding of business deposit products, small business loans, treasury management services, and related banking technologies.
• Regulatory Knowledge: Working knowledge of applicable federal and state banking regulations, NCUA requirements, and BSA/AML compliance standards.
• Relationship Building Skills: Proven ability to develop strong member relationships and identify opportunities to expand business.
• Communication & Presentation Skills: Strong verbal, written, interpersonal, negotiation, and presentation abilities.
• Organization & Adaptability: Ability to manage multiple priorities, work effectively in a fast-paced environment, and adapt to changing business needs.
• Technology Proficiency: Ability to leverage business systems and emerging technologies to improve service, efficiency, and productivity.

What Success Looks Like:

• Consistently achieves or exceeds new business member, deposit growth, and loan production goals.
• Builds a strong pipeline of business relationships throughout APGFCU's field of membership.
• Serves as a trusted advisor to business members by providing effective financial solutions.
• Demonstrates expertise across business banking products and services while maintaining operational excellence.
• Strengthens business banking knowledge throughout the organization through coaching and training.
• Maintains strict adherence to compliance, documentation, and risk management requirements.
• Develops productive partnerships with internal teams, vendors, and community organizations.
• Represents APGFCU professionally and positively in all member and community interactions.
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Compensation: $81,400 - $138,400 annually

Offers are based on experience and education.

APGFCU provides comprehensive benefits such as medical and dental (shared expense), vision, 401(k), life and disability insurance, flexible spending account, employee assistance program, referral program, educational assistance, holidays, annual leave and sick leave.

Equal Opportunity Employer:

APGFCU is proud to be an Equal Opportunity and Affirmative Action employer. We are committed to creating a workplace where everyone feels welcome and supported. Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, or any other protected status under applicable federal, state, or local law. If an accommodation is needed during the hiring process, please email HR@apgfcu.com.

Employment with APGFCU is at-will, meaning that either you or APGFCU may terminate the employmentrelationship at any time, with or without cause or notice.

APGFCU participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You can view the details by clicking here or returning to the careers homepage.

APGFCU participa en E-Verify y proporcionará al gobierno federal la información de su Formulario I-9 para confirmar que usted está autorizado para trabajar en los EE.UU.. Puede ver los detalles haciendo clic aquí o regresando a la página de inicio de carreras profesionales.

Banking That Feels Like Belonging

We prioritize purpose and connection in how we serve each other, our members, and Maryland communities - helping to navigate life's little and big moments. If you're value-driven and looking for a fulfilling career that makes a meaningful difference, join APGFCU!

About Us

Our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We've spent almost a century enriching the lives of the communities we serve through smart banking solutions, local partnerships, charitable donations, volunteerism, and financial wellness education. Not by pushing products, but listening intently, sharing knowledge and providing resources - guiding generations towards a brighter financial future.