Commercial Relationship Officer- Bluegrass Market

Essential Functions & Responsibilities

• Collect, review, and analyze financial and related data to determine if the loan request, member, and/or collateral meet credit union standards.
• Prepare and submit loan request narrative.
• Negotiate the terms under which the loan will be made to include rate, fees, term, and loan structure.
• Grow deposits in accordance with credit union’s budget.
• Work with processing staff on all third-party order requests.
• Review all documentation generated for closing to ensure accuracy and compliance.
• Actively work to grow credit union member business lending presence including building relationships within the market, professional groups, select employee groups and credit union staff.
• Participate in credit union community development or education events providing commercial lending expertise.
• Create and deliver loan proposals to members.
• Monitor the performance of the existing loan portfolio including following up with past due loans. Proactively work maturing loans.
• Recognize potential problem credits and bring them to the attention of management.
• Absorb and enhance the profitability on all assigned relationships.
• Maintain up to date knowledge of regulations, rules, policies and procedures governing all classes of loans with focus on Commercial Lending.
• Advise manager of any changes that may affect credit union processes to limit risk or loss.
• Maintain knowledge of credit union products and services and look for cross sell opportunities which will benefit the member’s financial needs.
• Cross-sell services such as business checking products and refer business or property owners to the branches for consumer deposit and loan products.
• Provide service as required by the member’s availability including needs that may require appointments or follow-up outside of traditional business hours.

Performance Measurements

• To be an ambassador of Park's culture supporting the credit union's mission to build thriving communities together ensuring words and actions align with the Park VIBE that defines our Core Values: Vibrant Connections Inclusive Excellence Bold Compassion Endless Empowerment
• To provide friendly, professional and accurate service and support to all members and coworkers.
• To originate new commercial loan volume as established by credit union goals.
• To prepare loan request narrative within 3 days of receipt of all documents/loan information.
• To return all calls within 2 hours of receipt.
• To cross sell credit union products and services.
• To maintain working knowledge of all business products and rates, both within the credit union and from the industry overall.
• To follow the credit union’s Bank Secrecy Act and anti-money laundering policies and procedures, including running OFAC searches, completing investigative reports of suspicious activity and currency transaction reports timely and without error.
• To maintain a professional work environment, promote teamwork, build respect among coworkers and present a businesslike appearance.
• To follow all security policies and procedures and report discrepancies or suspicious activity to manager immediately.

Knowledge and Skills

• Experience: Three years to five years of similar or related experience.
• Education: A two-year college degree, or completion of a specialized certification or licensing, or completion of specialized training courses conducted by vendors, or completion of an apprenticeship program.
• Interpersonal Skills: Excellent organizational and communication skills.

Physical Requirements

• Sit, stand, and walk short distances.
• Use hands and fingers to count currency and handle, manipulate, and feel objects, documents, and office tools and equipment.
• Read, write, listen, speak, and use personal computers, copiers, telephones, and other office equipment and software throughout the work day.
• Sometimes stoop, bend, squat, and reach overhead with hands and arms.
• Occasionally push and pull of office furniture and other objects.
• Lift and/or move up to 15 pounds and on occasion lift and/or move up to 25 pounds.