Vice President, Commercial Lender

Responsibilities

• Accountable for the oversight and growth of a commercial lending portfolio.
• Responsible for a specified amount of business loans and deposit production expectations that will be required to be met on an ongoing basis.
• Portfolio management expectations will have delinquency, covenant tracking, and credit risk ratings monitored to ensure that loans are being made and maintained within policy and procedural guidelines.
• Cultivate and meet with prospective and current members to collect information concerning their business needs, evaluation of income, collateral, and overall financial condition.
• Utilize delegated lending authority to approve and originate business loans within loan officer limits or submit loans to the Executive Loan Committee and Board Loan Committee when exceeding lender limits.
• Collaborate with Lender Support Specialists, Credit Analysts, and Commercial Operations staff in preparation of loan presentations, to include validation of loan underwriting, credit report reviews, and appraisals to assist with accuracy and identifying potential risks.
• Serve as a mentor and advisor to other business lenders to foster their growth and development.
• Follows up on referrals, identifies new relationship opportunities, and identifies cross sell opportunities to educate members and non-members on credit union products and services.
• Initiates, creates, and delivers commercial lending and deposit presentations for local businesses and internal credit union seminars.
• Responsible for following up with members after closing to assess any further needs or answer questions.
• Maintains and strengthens relationships with existing member base as well as building new.
• Interviews member loan applicants to identify commercial business loan needs, collect applicable information, evaluate income and their overall financial condition. Explains loan programs and recommends options.
• Responsible for the execution of accurate documentation provided by the borrower and definitive oversight of the processing and closing of all commercial business loans. Initiates required adverse action letters, when applicable.

Qualifications

• 7+ years' commercial lending experience in the finance industry.
• This level of knowledge is acquired through completion of a required Bachelor's degree in Business Management, Business Administration, or related field.
• Valid driver's license.

Preferred Skills

• Demonstrated knowledge of Credit Union regulations, products, policies, procedures, and services.
• Ability to establish oneself as a people and sales and service leader in the branch.
• Strong organizational skills and ability to multi-task.
• Advanced proficiency in Microsoft Office (Outlook, Word, Excel, PowerPoint).
• Able to work in a team environment with the ability to interact in a positive manner with peers, management, and other departments.
• Professional level of verbal and written communication skills are essential to the position.
• Advanced analytical and project management skills for a variety of tasks or projects.
• Ability to motivate or influence internal staff and external members is a critical part of the job, requiring a significant level of influence and trust.
• Ability to deal with complex problems involving multiple facets, variables, and situations.
• Demonstrated ability to plan and prioritize work to meet commitments by breaking down objectives into appropriate actions and anticipate and adjust plans as needed.
• Ability to provide world class member service while executing Interra’s vision, mission, and delivery of Core Values.

Competencies

• Drive Results - Consistently accomplishes goals even under adverse conditions. Has a strong bottom-line orientation. Pushes self and helps others achieve results.
• Effective Communication - Utilizes a variety of communication modalities effectively and appropriately across multiple channels. Is effective in a variety of communication settings: one-on-one, small and large groups, or among diverse styles and position levels. Adjusts to fit the message to the audience. Provides timely and helpful information to others across the organization.
• Functional Expertise - Possesses a sufficient level of technical and professional skill or knowledge in position-related areas; keeps up with current developments and trends in areas of expertise; actively seeks ways to grow and be challenged using both formal and informal development activities.
• Learning Agility - Actively and continuously learning, including new ways of thinking, knowledge, skills, and capabilities. Learns from what was done before and uses success and failure as input for development/improvement and tackling new business challenges.
• Networking - Builds and maintains a variety of formal and informal business relationships. Draws upon multiple relationships to exchange ideas, resources and best practices.
• Systems Perspective - Takes a broad view that recognizes factors that influence and/or are influenced by multiple inputs, systems, processes, feedback loops, and functions. Connects actions to consequences inside and outside of role and department. Sees and considers interconnectedness of systems, tools, concepts, behaviors, roles, departments, and functions at Interra.

Benefits

Comprehensive health insurance, 401(k) matching, telework reimbursement, company holidays, and generous PTO.

Company Culture

We believe that a positive work environment is key to success. Staying engaged, informed, and keeping it fun, is how we achieve this.

Professional Growth

Our Learning and Development Team not only provide day 1 training but continuous improvement and career development for all levels.

Salary

An attractive compensation package with performance-based incentives and bonuses.

Community Involvement

Being an active member in communities that we are a part of is important to us. We live here, work here and stay involved here!