Commercial Lender

Responsibilities

• Accountable for the oversight and growth of a commercial lending portfolio.
• Responsible for a specified amount of business loans and deposit production expectations that will be required to be met on an ongoing basis.
• Portfolio management expectations will have delinquency, covenant tracking, and credit risk ratings monitored to ensure that loans are being made and maintained within policy and procedural guidelines.
• Cultivate and meet with prospective and current members to collect information concerning their business needs, evaluation of income, collateral, and overall financial condition.
• Utilize delegated lending authority to approve and originate business loans within loan officer limits or submit loans to the Executive Loan Committee and Board Loan Committee when exceeding lender limits.
• Collaborate with Lender Support Specialists, Credit Analysts, and Commercial Operations staff in preparation of loan presentations, to include validation of loan underwriting, credit report reviews, and appraisals to assist with accuracy and identifying potential risks.
• Serve as a mentor and advisor to other business lenders to foster their growth and development.
• Responsible for new business development and secure relationships with centers of influence in the area of commercial real estate and Commercial and Industrial (C & I) lending through community involvement, networking events, and non-profit boards.
• Oversee the ongoing cultivation of new leads both organically and outside while maintaining and strengthening existing relationships.
• Initiate, create, and deliver commercial lending and deposit presentations for local businesses and internal credit union seminars.
• Responsible for following up with members after closing to assess any further needs or answer questions. Maintain and strengthen relationships with existing member base as well as building new.
• Maintains and strengthens relationships with existing member base as well as building new.
• Meets specified annual cross-sales expectations and requirements on an ongoing basis.
• Interviews member loan applicants to identify commercial business loan needs, collect applicable information, evaluate income and their overall financial condition. Explains loan programs and recommends options.
• Responsible for the execution of accurate documentation provided by the borrower and definitive oversight of the processing and closing of all commercial business loans. Initiates required adverse action letters, when applicable.

Requirements

• 7+ years' commercial lending experience in the finance industry.
• This level of knowledge is acquired through completion of a required Bachelor's degree in Business Management, Business Administration, or related field. Must have and maintain a valid driver's license.
• PREFERRED SKILLS: Demonstrated knowledge of Credit Union regulations, products, policies, procedures, and services. Ability to establish oneself as a people and sales and service leader in the branch. Strong organizational skills and ability to multi-task. Advanced proficiency in Microsoft Office (Outlook, Word, Excel, PowerPoint).
• COMPETENCIES: Drive Results - Consistently accomplishes goals even under adverse conditions. Has a strong bottom-line orientation. Pushes self and helps others achieve results. Effective Communication - Utilizes a variety of communication modalities effectively and appropriately across multiple channels. Is effective in a variety of communication settings: one-on-one, small and large groups, or among diverse styles and position levels. Adjusts to fit the message to the audience. Provides timely and helpful information to others across the organization. Functional Expertise - Possesses a sufficient level of technical and professional skill or knowledge in position-related areas; keeps up with current developments and trends in areas of expertise; actively seeks ways to grow and be challenged using both formal and informal development activities. Learning Agility - Actively and continuously learning, including new ways of thinking, knowledge, skills, and capabilities. Learns from what was done before and uses success and failure as input for development/improvement and tackling new business challenges. Networking - Builds and maintains a variety of formal and informal business relationships. Draws upon multiple relationships to exchange ideas, resources and best practices. Systems Perspective - Takes a broad view that recognizes factors that influence and/or are influenced by multiple inputs, systems, processes, feedback loops, and functions. Connects actions to consequences inside and outside of role and department. Sees and considers interconnectedness of systems, tools, concepts, behaviors, roles, departments, and functions at Interra.