Commercial Loan Originator

About the Role

Greenwood Credit Union is seeking a highly motivated and detail-oriented Commercial Lender to join our dynamic team. This mid-level professional will report directly to our Vice President of Commercial Lending and work closely with other teams across the Credit Union. The role offers a unique opportunity to work with a leading financial institution, providing customized lending solutions to clients while expanding your skillset. The ideal candidate believes in the mission of our Credit Union, thrives in a fast-paced environment, and is passionate about finance and customer service.

Join our commercial team at Greenwood Credit Union, a strong, independent local institution where decisions are made locally, leadership is accessible, and community comes first. As a Commercial Loan Originator, you'll help businesses grow through thoughtful, relationship-driven lending.

Responsibilities

• Interview applicants to determine loan requirements and gather pertinent information for loan applications.
• Request applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Analyze applicant's financial status, credit, and asset evaluation to determine feasibility of granting loans; establish credit limits through written and/or oral assessment.
• Resolve uncertainties relating to customer application information through inquiries with applicants or creditors.
• Structure loans within loan policy; approve loans within specified limits or champion loan opportunities to the credit department and/or Commercial Lending Vice President for proper approval.
• Prepare financing proposals consistent with approval for presentation to the applicant.
• Review loan documentation prior to closing for completeness and acceptance by the applicant.
• Ensure timely loan closing and funding activities.
• Meet commercial loan origination and commercial deposit goals.
• Maintain positive working relationships with customers, bank staff, local professionals, centers of influence, and community organizations.
• Participate in community and professional organizations and events.
• Use experience and sound judgment to plan and accomplish goals; underwrite and analyze credit and financial information to determine creditworthiness (as necessary).
• Communicate loan decisions, terms, and conditions to clients and ensure loan documentation complies with company policies and procedures.
• Stay up-to-date on market trends and competitive landscape to identify new business opportunities and provide creative financing solutions.
• Provide excellent customer service and build long-term relationships with clients.
• Maintain and apply knowledge of current lending policies, procedures, and regulations.

Requirements

• Bachelor's degree preferred with a minimum of 5 years' prior experience in a commercial lending environment.
• General knowledge/background of loan and legal documentation; familiarity with commercial and SBA loan documents is a plus.
• Strong interpersonal, written communication, customer service, and relationship management skills.
• Ability to evaluate and analyze complex financial statements and tax returns.
• At least 5 years of experience in commercial lending, credit analysis, or related field.
• Strong understanding of credit and financial analysis.
• Excellent verbal and written communication skills.
• Ability to work independently and as part of a team.
• Ability to manage multiple projects and meet tight deadlines.
• Fluent in English; bilingualism is a plus.
• Demonstrated proficiency in basic computer applications, including Microsoft Word, Excel, and internet navigation.
• Self-motivated and capable of working efficiently and with accuracy in a dynamic, high-volume environment with established productivity goals.
• Developed organizational and time management skills.
• Dependability and flexibility with work hours and assignments.
• Ability to work a minimum of forty (40) hours per week and overtime, as needed.
• Commitment to a team environment, member confidentiality, and outstanding member service.
• High degree of professionalism with a positive and professional image and demeanor.
• Consent to conduct pre- and active employment background screenings.

Benefits

• Competitive compensation.
• Paid time off (PTO).
• Healthcare (employer pays the deductible).
• Dental and vision coverage.
• Life and long-term disability insurance.
• 401(k) with a generous employer match.
• On-site gym.

Greenwood Credit Union has been voted one of Rhode Island's Best Places to Work four years in a row.