Senior Business Services Officer

Major Duties

• Consistently call on potential and existing business members (within company footprint) to develop and maintain profitability through lending and non-lending relationships.
• Identify, recommend approval, and service loans for businesses within policy and limits of authority.
• Converse with business owners to understand business model, ascertain needs, abilities, earnings, and risk; request necessary financial information.
• Counsel companies with regard to cash flow, risk analysis, loan structure, and resource referrals.
• Analyze loan requests in conjunction with Credit Officer using appropriate risk analysis to include cash flow, collateral and guarantor analysis. Recommend terms, conditions and structure within credit policy.
• Prepare loan approval package and present/recommend to appropriate higher authority.
• Monitor loans to ensure continuous conformity with terms and to keep abreast of changing business and economic developments that impact the loan portfolio, its profitability, and credit union/banking in general.
• Ensure and manage the portfolio for accurate loan documentation, exception issues and loan processing in accordance with NCUA regulations and standard operating procedures and Allegacy Lending policy.
• Service delinquent and special asset accounts as required.
• Develop, originate, and close business deposits that meet or exceed annual deposit goals.
• Utilize expertise of Treasury Services Officer to fully meet deposit needs of Member.
• Ensure business relationships are fully developed, including specific efforts to serve the retail banking needs of the owners/management/employees by partnering with other Allegacy team members and advisors, (i.e. the Branch Staff, Investments and Benefits).

Represent AFCU in the community

• Actively participate in civic affairs and local and professional organizations to identify and develop new Business Members and enhance AFCU’s image.

Collaborate with teammates

• Ensure quality and timeliness of Member experience.