Senior Commercial Loan Officer

Position Purpose

Within the context of Central Willamette’s Statement on Sales Culture, the Senior Commercial Loan Officer provides ethical, professional, friendly, and quality service to our members. You’ll be responsible for originating, underwriting, documenting, and managing a complex commercial loan portfolio while maintaining a high-quality asset base.

What We Offer

• Vacation that actually grows with you: 2 weeks your first year, 3 weeks your second, 4 weeks your third
• 10 paid holidays and 5 paid sick days annually
• Medical, dental, and vision starting the first of the month after hire
• 401(k) with employer match after 6 months
• Semi-annual incentive bonus (up to 5% of annual salary)
• Professional growth opportunities

Essential Functions & Responsibilities

• Loan Origination & Business Development: Participate in developing lending and deposit business for the Credit Union. Call on members/clients to expand existing business and call on prospects to expand the Credit Union’s business client base. Engage in business development and civic initiatives throughout the community to achieve defined goals. Build and maintain strong internal referral partnerships and external centers-of-influence relationships.
• Commercial Underwriting, Structuring & Closing: Take applications for commercial loan business. Obtain necessary documents to fully underwrite and document credit requests. Review borrower financial condition and assess repayment ability through a thorough due diligence process. Establish appropriate loan structure (pricing, terms, covenants, collateral, duration) aligned with relationship goals and Credit Union guidelines. Make underwriting decisions within approval authority; present requests to appropriate approval channels as needed. Complete or direct completion of all loan documents and close loans, ensuring accuracy, completeness, and compliance.
• Portfolio Management, Monitoring & Asset Quality: Monitor an existing commercial portfolio to maintain a high-quality asset base. Maintain up-to-date member/client files (as applicable), including financial statements, cash flow projections, and supporting documentation. Perform ongoing relationship/portfolio management activities including identification and documentation of: Problem loans, Policy exceptions, Grade changes, Annual reviews, Watchlist and/or special reviews as required. Identify emerging risks and trends and recommend appropriate actions consistent with sound credit administration.
• Credit Approval, Policy Adherence & Documentation Quality: Approve loans within established limits or refer loans to the appropriate approval body. Verify loan agreements and documentation are complete and accurate according to applicable policies and procedures. Recommend policy, guideline, and procedural changes to strengthen effectiveness, consistency, and member experience.
• Member/Partner Support & Issue Resolution: Troubleshoot and resolve internal and external inquiries in a timely, professional manner. Assist members with loan-related questions and concerns, ensuring clarity and an excellent member experience. Communicate effectively with internal partners (operations, branch teams, finance, compliance, etc.) to support smooth processing and strong service.
• Compliance, Reporting, Training & Other Duties: Comply with all Credit Union policies/procedures and applicable laws and regulations, including: Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC requirements. Maintain spreadsheets, reports, and commercial loan-related records as needed. Attend training and stay current on policies, regulations, and services; seek opportunities to improve efficiency and workflow. Provide daily support/oversight as needed to foster a collaborative, high-performing team environment. Perform additional duties as assigned in support of organizational goals and CWCU values.

Qualifications

• Excellent planning skills (short- and long-term) with strong financial acumen and analytical skills
• Strong understanding of accounting principles and financial concepts
• Demonstrated ability to analyze applicant financial information, assess risk, and recommend/approve commercial loans based on thorough due diligence
• Required knowledge of current State, Federal, and other regulations applicable to commercial lending
• Strong organizational, time management, problem-solving, customer service, communication, and presentation skills
• Professional written communication skills; able to speak clearly and deliver information in a logical, understandable sequence
• Able to manage multiple projects and work effectively through frequent interruptions
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision; flexibility to meet member needs
• Able to manage schedule with minimal supervision