Commercial Loan Officer II

About

Gesa Credit Union is dedicated to empowering our communities through our passionate and diverse team. We believe in the power of our people and strive to create a supportive environment where everyone can thrive.

Role Summary

The Commercial Loan Officer II is responsible for originating a profitable portfolio of commercial loans, maintaining and growing asset quality, and developing new and existing business relationships.

What You Will Be Doing

• Meet assigned sales goals and objectives.
• Participate in business development activities to promote the increase of business loans and deposits for the Credit Union.
• Call on member businesses to expand existing relationships, creating member loyalty to the Credit Union.
• Accurately process business loan applications in a timely manner.
• Complete annual credit reviews of member business loans to assess the overall financial condition and member's ability to repay the loan.
• Made credit approval recommendations to the appropriate approval authority that promotes safe and sound credit underwriting and prudent lending practices.
• Provide guidance to the commercial loan processor in the completion of all loan documents and business loan closings.
• Aid in collecting past due loans, maintaining a 30-day delinquency rate of .50% of less and a charge-off rate of no more than .50% of your loan portfolio.
• Understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
• Attend credit union training sessions, conferences, or seminars as approved by supervisor.
• Maintain awareness of policies and regulations related to duties and responsibilities.
• Monitor existing loan portfolio to ensure credit quality and regulatory compliance.
• Maintain up-to-date credit files including current financial information deemed necessary and in accordance with the business loan agreement.
• Aid members with any business loan-related questions and concerns.
• Maintain an understanding of the Credit Union Policies and member business lending operating procedures and guidelines.
• Demonstrate support of corporate values, mission, and vision.
• Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.
• Consistently display respect for all areas of diversity and levels of knowledge.
• Display mutual respect, trust and dignity, acting in the best interest of the Credit Union.
• Lead by example by displaying solid ethics and integrity at all times.

About You

• To provide knowledgeable, professional, friendly service to all members.
• To maintain up-to-date and comprehensive knowledge of all credit union products, services, policies and procedures.
• To participate in and support a team environment.
• To effectively manage your time that promotes responsiveness to credit requests, and other duties that may be assigned.
• To analyze the financial, management, and economic risks related to member business loan requests.
• To possess and display excellent member service attributes.
• To maintain a positive and professional image through effective verbal and written communication.

Qualifications

• Equivalent to a four (4) year college degree or completion of a specialized course of study at a business, trade school, or equivalent experience.
• Five (5) to eight (8) years of commercial lending experience or related experience analyzing business financial statements and assessing the financial position of a viable business entity.
• Must possess excellent communication and public relations skills.
• Proficiency with standard office equipment, MS Office and Outlook software, financial analysis software, and other commercial lending platforms.
• Some travel may be required to fulfill duties, career development, and/or responsibilities.
• A valid Driver’s License is required.

Benefits

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year accrual 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
• Full Salary Range: $100,713.19-$187,038.79