AVP Member Business Services (West)

E 65%

• Participates in developing lending and deposit business for the Credit Union.
• Calls on clients to expand existing business.
• Calls on prospects seeking opportunities to expand the Credit Union's client base.
• Represents the Credit Union at various functions to develop and maintain business relationships.
• Takes applications for commercial loan business.
• Reviews member financial condition and assesses the member's ability to re-pay the loan.
• Makes underwriting decisions within approval authority.
• Completes or directs completion of all loan documents and closes loans.
• Responsible for post-closing file management.
• Aids loan support department to clear any audit findings.

E 20%

• Maintains up-to-date member files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
• Assists members and employees with business loan related questions, including loan modifications and payment issues and with collection of past due loans and liquidation of collateral if necessary.

E 5%

• Partners with the VP Member Business Services to maintain effective vendor relationships and identify opportunities to strengthen vendor performance and service delivery which support Member Business Services operations.

N 5%

• Performs other job-related duties as assigned.

Performance Measurements

• Develops strategic goals and targets for new and existing business development and member business relationships.
• Designs, develops and implements programs, products and services related to member business loan and deposit accounts.
• Travel on a regular basis to visit potential and existing member business clients, branch locations and SEGs to ensure level of service meets credit union's quality service standards.
• Establish and maintain involvement in community efforts.
• Promote the credit union through visible participation in business, community and charitable organizations and activities.
• Ensure that all members, both internal and external, receive prompt, efficient, courteous, and professional service and that member problems and complaints are resolved promptly, courteously and fairly.
• Pursue and identify member business loan and deposit clients and service accounts.
• Present the products/services of the credit union, analyze requests, decide the request within granted loan authority or recommend the request and continue until the request has been satisfied and closed.
• Ongoing monitoring of the accounts will be required, including periodic loan reviews.
• Aid in the collection of member business account delinquencies as required.
• Perform functions relating to loan services, to include providing information about the services, interviewing applicants, determining collateral needs and payment plans, reviewing, underwriting, processing, closing loan applications and po t-closing duties.
• Approve consumer and member business loans up to authorized level, prepare all loan documents, schedule appointments, disburse funds, and mail notices following federal and Credit Union laws, regulations and policies.
• Communicate frequently with other credit union employees and CUSO staff.

Serves as the primary liaison for member business merchant services, managing relationships, coordinating service delivery, and addressing member needs and escalations.

Partners with the VP Member Business Services to maintain effective vendor relationships and identify opportunities to strengthen vendor performance and service delivery which support Member Business Services operations.

Assist the CLO and CXO in the creation and implementation of new member business solutions.

Provide support to credit union and CUSO lenders with financial statement analysis, loan documentation, loan underwriting, clerical tasks and documentation collection as required.

Aid in internal audits and examinations.

Assist in the training and development of additional member business lending staff as required or necessary including but not limited to the Member Business Loan Processor.

Maintain up-to-date knowledge of general economic conditions as well as knowledge of state and federal laws related to member business lending and services, including any federal or state reporting requirements.

Ensure that all activity is in compliance with established policies and regulations.

Monitor, evaluate and report on competitive financial products from major competitors within the region to provide management with sufficient information to identify potential opportunities or weaknesses the credit union faces.

Maintain a thorough knowledge of state and federal laws related to commercial lending, including any federal or state reporting requirements.

Maintain a current understanding of lending regulations and comply with policies and regulations including, but not limited to, Bank Secrecy Act, Truth in Lending, Fair Lending, RESPA, HMDA, MLA, FCRA, SAFE Act and Collections laws.

Knowledge of the Small Business Administration lending procedures is required.

Maintain eligibility and continuing education requirements necessary to obtain and maintain various licenses required to underwrite/analyze loans, sell insurance or any other Credit Union related product.