Commercial Lender

Position Responsibilities

• New business development and management of existing commercial real estate, construction, C&I and participation loans.
• Generate and coordinate non-credit services within Commercial Banking.
• Maintain frequent contact with existing borrowers in order to monitor risk levels, expand relationships, ensure member retention and provide high quality service.
• Support the activities of the AVP, Commercial Banking to meet department goals and objectives.
• Monitor and analyze various characteristics and metrics of both the existing loan portfolio as well as anticipated (pipeline) activity as requested by the AVP, Commercial Banking.
• Identify prospects and referral sources for solicitation through the use of internal systems and external networking activities.
• Analyze all credit/loan variables prior to review with Credit Administration or AVP, Commercial Banking.
• Absorb and complete annual reviews (collecting updated financial information, reviewing Credit Administration questions with borrower, etc.) as necessary.
• Perform site visits for construction and CRE loans to monitor project progress and property conditions.
• Utilize Salesforce and nCino to track all steps of the workflow process.
• Actively network with business and civic organizations.
• Give back by volunteering regularly throughout the course of each year.
• Actively engage with other credit unions and banks to develop loan participation opportunities (buying and selling).
• Provide “consultative” service to members and prospects to help determine which of the credit union’s credit and non-credit products/services best meet their objectives.
• Maintain an awareness of competitive products, practices, and pricing that reflect changes in the Credit Union’s primary market area.
• Keep abreast of economic, financial and political trends to assist in the determination of risk in establishing and maintaining member relationships.
• Maintain confidentiality regarding credit union policies and procedures, member financial data, personal information, and work-related events.
• Provide quality support and maintain a professional relationship with peers, management, other staff, and members through cooperation, mutual trust and respect.
• Maintain contact with each business member after each new loan closing to ensure high satisfaction.

Required Knowledge and Skills

• Knowledge of the principals of commercial credit, commercial banking laws, federal and state credit union laws and regulations and the Credit Union’s Member Business Loan Policies and Procedures.
• Experience in developing/managing commercial real estate loans, construction loans, C&I loans and participation loans.
• Strong selling and negotiating skills with effective sales ability and persuasiveness.
• Effective organizational and analytical skills, with high degree of computer literacy and fluency in various Microsoft programs, as well as Excel, Microsoft Outlook, Salesforce, nCino and Word.
• Strong credit underwriting skills, including business and individual financial statement analysis with special focus on liquidity, leverage, cash flow and risk grading.
• Excellent interpersonal, presentation and organizational skills.
• Ability to communicate clearly and effectively both verbally and in writing.
• Ability to work comfortably with all levels of company employees from entry level team members to senior staff and executive level management.
• Ability to work independently and in a team environment.

Education

• Bachelor’s degree in business or related field preferred; MBA recommended, or equivalent work experience.