AVP of Spokane Commercial Lending

About Gesa Credit Union

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. It’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community, challenge yourself, grow in your career, and rest assured that your wellbeing and prosperity are our priority.

About the Role

Under the direction of the VP of Commercial Banking Eastern Region, the AVP of Spokane Commercial Lending is responsible for directing, managing, and coordinating the commercial loan, business deposit, and cash management functions of their respective team. The AVP will participate in the Gesa Leadership team and provide input on the strategic initiatives of the organization. They will coordinate the business development activities of their team and manage commercial loan relationships. The role manages a group of lenders, small business development officers, and other staff designated to grow a profitable commercial loan portfolio consistent with established policies, guidelines, and procedures. They make commercial loan and cash management exposure decisions according to the MBL Policies and underwriting guidelines, control commercial loan delinquencies and charge-offs, and assist in portfolio management to ensure safety and soundness. The AVP ensures the enhancement of commercial loan relationships by cross-selling business deposits and cash management products and services.

Responsibilities

• Maintain a highly qualified staff sufficient to meet the daily demands of the Credit Union's members
• Interview, select, train, evaluate, supervise, schedule, coach, and develop team members to provide responsive and professional service
• Complete performance reviews within the prescribed period and note observations of employee performance in appropriate reporting tools
• Ensure the team provides friendly, professional, personal service to all members
• Assist the VP in managing commercial services operations and administering credit union lending policies and procedures
• Prepare credit requests for submission to Loan Committee and approved credit submissions when appropriate
• Identify and monitor all MBL loans and provide senior management with regular detailed reports
• Establish production goals and provide production reports to management
• Attend credit union training, conferences, seminars, or professional organization events for continued professional growth
• Maintain awareness of laws, rules, regulations, policies, and procedures impacting position duties and ensure team awareness
• Maintain thorough and up-to-date knowledge of MBLs and other investor requirements; recommend changes to the credit union policy manual
• Provide recommendations for management of changes to products, loan policies, and procedures by following lending laws and regulations
• Oversee financial transactions such as drawings, advances, and disbursements made by Commercial Loan Servicing
• Responsible for the business development of commercial loan relationships
• Maintain written, telephone, and personal contacts
• Develop and maintain up-to-date knowledge of credit union lending policies and market areas
• Maintain historical pricing information, including all indices
• Provide basic financial counseling when needed or requested by members
• Participate in community activities and business development (e.g., Chamber of Commerce, Board of Realtors, Homebuilders)
• Maintain effective communication with all credit union team members to ensure coordination and exchange of information for accomplishing goals
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism
• Display leadership values such as mutual respect, trust, and dignity, and act in the best interest of the credit union
• Lead by example by displaying solid ethics and integrity at all times
• Control risk and operate in a safe and sound manner
• Contribute to effective department and credit union operations by performing special projects and other related duties as assigned
• Provide recommendations and process improvements regarding commercial loan activity and processes

Requirements

• Eight (8) to ten (10) years of commercial lending or commercial leadership experience required
• Minimum three (3) years managerial/supervisory position within a financial organization desired, preferred
• Bachelor’s degree or equivalent combination of specialized courses in business-related training or experience accepted in lieu of a degree
• Five (5) years of experience underwriting commercial loans including commercial real estate loans, agriculture, commercial and industry, and SBA preferred
• Eight (8) to ten (10) years professional sales ability required; experience relating to commercial loan products desired
• Experience analyzing local and national economic data to assist in setting marketing and pricing strategies
• Familiarity with SBA loan programs and underwriting requirements
• Proficiency with standard office equipment, Excel, MS Word, Outlook, computer software, lending software, and department-specific programs

Leadership Core Competencies

Leaders at Gesa Credit Union are lifelong learners who, by developing themselves, are better able to grow our team members and our organization as well as serve as influential role models for each other. Every team leader must model and continue to strengthen these competencies:

• Leading Others
• Developing Others
• Emotional Intelligence
• Social Responsibility
• Performance & Results Orientation

Skills

• Ability to multi-task on numerous projects simultaneously
• Ability to communicate effectively and successfully, both orally and in writing
• Ability to make quality decisions in a timely manner with extreme attention to detail
• Ability to perform required work under limited supervision
• Ability to supervise, train, and motivate staff
• Ability to formulate, implement, and administer policies and procedures relating to Member Business loans

Benefits

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays
• 401(k) Match Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

Pay

Full Salary Range: $157,373.36–$262,288.94. Most new team members typically start between the minimum and midpoint based on their experience and qualifications.