VP - Commercial Lending Officer
for sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections if posting has real specific content. We have description, responsibilities, requirements, skills, benefits, salary. No schedule. We'll need to map content.
We must not repeat job title as heading. No Job ID. Remove boilerplate like Equal Opportunity Statement, etc.
We need to preserve all substantive info.
We need sections: About the role (maybe from description intro). Responsibilities (list of duties). Requirements (education/certification, knowledge, experience). Qualifications maybe combine? But we have Requirements and Qualifications separate? The posting has Requirements (education, knowledge, experience) and Skills/Abilities. Could treat Skills as Skills section. Qualifications maybe not needed if covered. But we can include Qualifications if we have content: maybe combine education/experience as qualifications. However we must not create thin sections. Let's decide: Use About the role (intro paragraph). Responsibilities (list). Requirements (education/certification, knowledge, experience). Skills (skills/abilities). Benefits (list). Pay (salary). No Schedule.
We must not include filler like "commensurate with experience". Salary is given.
We need to use - for any list of duties/requirements/benefits. Use
for prose.
We need to preserve all substantive info: include details about field of membership counties, vision mission values, core values maybe? The "About us" paragraph includes vision, mission, values, core values. That is substantive. Should be included maybe in About the role or a separate section? Could be part of About the role. We'll include that as prose.
We need to exclude boilerplate: Equal Opportunity Statement, etc. Also remove duplicated lines.
Let's extract content.
Job posting text:
"Apply Job Type Full-time Description Come Join Heritage Financial Credit Union as VP - Commercial Lending Officer As VP - Commercial Lending Officer, you'll be the driving force behind our commercial lending growth strategy. You'll develop strong client relationships aligned to our Vision, Mission and Values, and structure lending solutions that help businesses thrive. You’ll be part of a collaborative and ambitious team that values both performance and people. We are seeking candidates with an already established book of business within our field of membership, which includes Orange, Ulster, and Dutchess Counties in NY and Pike Counties in PA. You'll be responsible for goal achievement aligned to the Commercial Lending Department's annual plan while complying with operating policies and procedures established for the credit analysis and approval process. Additionally, you'll be following-up and responding to referrals and requests adhering to our SLAs and supporting our Retail Banking teams with business development efforts. Here's a little about us : Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed. Our Core Values: Experience: Go Above Expectations; Create Positive Moments; Personally Acknowledge Service: Deliver As One Team; Stay A Step Ahead; Guide With Product Expertise Integrity: Do What's Right; Speak the Truth; Own Our Actions People: Grow Together; Respect Every Voice; Build Trusting Relationships; Strengthen Culture & Community ========================================================================================= POSITION PURPOSE This position is responsible for developing a commercial loan portfolio and managing member relationships according to the Vision, Mission, and Values of the credit union. The VP-Commercial Loan Officer is responsible for achieving goals as established in the Commercial Lending Department’s annual budgeting plan; coordinating tasks within the department, as well as with other departments within the Credit Union. They will comply with operating policies and procedures established for the credit analysis and approval process; communicate with appropriate personnel; responding to referrals according to established SLAs and cooperate with requests for information. The Commercial Loan Officer will maintain appropriate records and complete assigned reports. They will also support the Retail teams in business development efforts. Essential Functions And Responsibilities Adhere to HFCU's Vision, Mission and Values in all interactions with members, both internal and external. Provide exceptional member experience, deliver service with impact service and always execute with integrity throughout all aspects of the commercial loan process.Develop, originate, manage and underwrite C & I loans and commercial real estate loans which meet established lending requirements and provide maximum profitability to the credit union with minimum risk.Establish and negotiate the terms under which credit will be extended including loan pricing, structure, repayment terms and collateral requirements that are consistent with the credit union’s policies and financial goals.Approve and decline loans within lending authority. Provide recommendations for loans above lending authority.Manage and maintain monthly tickler reports and accurately complete monthly, quarterly, and year-end reporting. Work with members and department staff to ensure the timely collection of required documentation and/or financials.Review, recommend, and implement commercial lending policies and procedures to support and meet Credit Union objectives.Maintain a thorough understanding of HFCU’s Commercial Lending Policies and ensure loan requests follow all compliance standards of the department.Assist in the supervision, performance monitoring, development, and evaluations of the commercial credit analyst.Work closely with retail team and Business Development Manager to strengthen referral activity, enhance client experience, and mentor team members on business development, relationship management, and basic lending concepts.Attend department and Credit Union meetings, present summary information and participate in discussions on the loans being considered.Periodically visit Borrowers, perform site visits, and promote good member experience.Participate in business development events that are sources for business contacts or referrals. Cross sell commercial products and services.Perform tasks such as answering internal and external member inquiries, providing and receiving member commercial loan applications and requests, resolving problems, and providing a best-in-class member experience while adhering to work guidelines, policies, and regulations.Perform other duties as assigned. Requirements EDUCATION/CERTIFICATION: A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree. Knowledge This position requires that the employee gain a working knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work. The employee will comply with all requirements of the BSA and cooperate with the designated BSA Officer in assuring compliance. Knowledge of Commercial/Business Lending, Consumer Lending, Commercial Underwriting, Loan Servicing and general economic conditions and competitor’s rates and terms, etc. Experience 5+ years of similar or related experience working in commercial lending. Experience with an established book of business in Heritage Financial Credit Union’s field of membership (Orange, Ulster, and Dutchess Counties in NY and Pike Counties in PA) with knowledge of the market and key contacts. Skills/Abilities Demonstrated commitment to maintaining an active professional presence within Heritage Financial Credit Union’s field of membership with knowledge of the market and key contacts and engaging regularly with businesses, community groups, and civic organizations.Ability to develop and maintain business relationships, influence people, foster relationships, and structure sound credit solutions.Excellent verbal and written communication skills.Ability to project a professional appearance and positive attitude at all times.Excellent project management and analytical skills. What's in it for you? Salary: $130,000 - $160,000 annually, based on experience Benefits Paid Time Off & Paid Federal Holidays Medical, Dental, Vision & Life Insurance Employee Assistance Program Flexible Spending Accounts (FSA)/Health Savings Accounts (HSA) Supplement Benefits: Critical Illness Care, Identity Theft Protection, Pet Insurance, Legal Services BenefitsPlus+ perks program (travel, entertainment, gift cards and so much more) CareNet - benefits concierge service 401(k) with 5% Employer Match Educational Assistance Paid Time to Volunteer HFCU Logo-wear (that our employees wear with pride!) Equal Opportunity Statement Employment at our Credit Union is based upon merit, ability, and qualifications. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status."
We need to strip the Equal Opportunity Statement.
Now construct sections.
About the role: combine the introductory description and "Here's a little about us" plus vision/mission/values/core values.
We'll produce a
with that prose.
Responsibilities: list from "Essential Functions And Responsibilities" bullet points (they are sentences separated by periods). We'll make
- each.
Requirements: include Education/Certification, Knowledge, Experience. Could be
- each.
Skills: list from Skills/Abilities.
Benefits: list from Benefits.
Pay:
Salary: $130,000 - $160,000 annually, based on experience.
No Schedule.
Make sure not to include filler.
Let's craft.
We need to ensure we preserve all substantive info: includes field of membership counties, core values list, etc.
Let's write About the role paragraph:
"Come Join Heritage Financial Credit Union as VP - Commercial Lending Officer. As VP - Commercial Lending Officer, you'll be the driving force behind our commercial lending growth strategy. You'll develop strong client relationships aligned to our Vision, Mission and Values, and structure lending solutions that help businesses thrive. You’ll be part of a collaborative and ambitious team that values both performance and people. We are seeking candidates with an already established book of business within our field of membership, which includes Orange, Ulster, and Dutchess Counties in NY and Pike Counties in PA. You'll be responsible for goal achievement aligned to the Commercial Lending Department's annual plan while complying with operating policies and procedures established for the credit analysis and approval process. Additionally, you'll be following-up and responding to referrals and requests adhering to our SLAs and supporting our Retail Banking teams with business development efforts. Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed. Our Core Values: Experience: Go Above Expectations; Create Positive Moments; Personally Acknowledge Service: Deliver As One Team; Stay A Step Ahead; Guide With Product Expertise Integrity: Do What's Right; Speak the Truth; Own Our Actions People: Grow Together; Respect Every Voice; Build Trusting Relationships; Strengthen Culture & Community."
That seems comprehensive.
Now Responsibilities list: need to capture each duty.
Let's extract sentences from "Essential Functions And Responsibilities" after that heading.
List:
- Adhere to HFCU's Vision, Mission and Values in all interactions with members, both internal and external.
- Provide exceptional member experience, deliver service with impact service and always execute with integrity throughout all aspects of the commercial loan process.
- Develop, originate, manage and underwrite C & I loans and commercial real estate loans which meet established lending requirements and provide maximum profitability to the credit union with minimum risk.
- Establish and negotiate the terms under which credit will be extended including loan pricing, structure, repayment terms and collateral requirements that are consistent with the credit union’s policies and financial goals.
- Approve and decline loans within lending authority. Provide recommendations for loans above lending authority.
- Manage and maintain monthly tickler reports and accurately complete
for prose. We need to preserve all substantive info: include details about field of membership counties, vision mission values, core values maybe? The "About us" paragraph includes vision, mission, values, core values. That is substantive. Should be included maybe in About the role or a separate section? Could be part of About the role. We'll include that as prose. We need to exclude boilerplate: Equal Opportunity Statement, etc. Also remove duplicated lines. Let's extract content. Job posting text: "Apply Job Type Full-time Description Come Join Heritage Financial Credit Union as VP - Commercial Lending Officer As VP - Commercial Lending Officer, you'll be the driving force behind our commercial lending growth strategy. You'll develop strong client relationships aligned to our Vision, Mission and Values, and structure lending solutions that help businesses thrive. You’ll be part of a collaborative and ambitious team that values both performance and people. We are seeking candidates with an already established book of business within our field of membership, which includes Orange, Ulster, and Dutchess Counties in NY and Pike Counties in PA. You'll be responsible for goal achievement aligned to the Commercial Lending Department's annual plan while complying with operating policies and procedures established for the credit analysis and approval process. Additionally, you'll be following-up and responding to referrals and requests adhering to our SLAs and supporting our Retail Banking teams with business development efforts. Here's a little about us : Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed. Our Core Values: Experience: Go Above Expectations; Create Positive Moments; Personally Acknowledge Service: Deliver As One Team; Stay A Step Ahead; Guide With Product Expertise Integrity: Do What's Right; Speak the Truth; Own Our Actions People: Grow Together; Respect Every Voice; Build Trusting Relationships; Strengthen Culture & Community ========================================================================================= POSITION PURPOSE This position is responsible for developing a commercial loan portfolio and managing member relationships according to the Vision, Mission, and Values of the credit union. The VP-Commercial Loan Officer is responsible for achieving goals as established in the Commercial Lending Department’s annual budgeting plan; coordinating tasks within the department, as well as with other departments within the Credit Union. They will comply with operating policies and procedures established for the credit analysis and approval process; communicate with appropriate personnel; responding to referrals according to established SLAs and cooperate with requests for information. The Commercial Loan Officer will maintain appropriate records and complete assigned reports. They will also support the Retail teams in business development efforts. Essential Functions And Responsibilities Adhere to HFCU's Vision, Mission and Values in all interactions with members, both internal and external. Provide exceptional member experience, deliver service with impact service and always execute with integrity throughout all aspects of the commercial loan process.Develop, originate, manage and underwrite C & I loans and commercial real estate loans which meet established lending requirements and provide maximum profitability to the credit union with minimum risk.Establish and negotiate the terms under which credit will be extended including loan pricing, structure, repayment terms and collateral requirements that are consistent with the credit union’s policies and financial goals.Approve and decline loans within lending authority. Provide recommendations for loans above lending authority.Manage and maintain monthly tickler reports and accurately complete monthly, quarterly, and year-end reporting. Work with members and department staff to ensure the timely collection of required documentation and/or financials.Review, recommend, and implement commercial lending policies and procedures to support and meet Credit Union objectives.Maintain a thorough understanding of HFCU’s Commercial Lending Policies and ensure loan requests follow all compliance standards of the department.Assist in the supervision, performance monitoring, development, and evaluations of the commercial credit analyst.Work closely with retail team and Business Development Manager to strengthen referral activity, enhance client experience, and mentor team members on business development, relationship management, and basic lending concepts.Attend department and Credit Union meetings, present summary information and participate in discussions on the loans being considered.Periodically visit Borrowers, perform site visits, and promote good member experience.Participate in business development events that are sources for business contacts or referrals. Cross sell commercial products and services.Perform tasks such as answering internal and external member inquiries, providing and receiving member commercial loan applications and requests, resolving problems, and providing a best-in-class member experience while adhering to work guidelines, policies, and regulations.Perform other duties as assigned. Requirements EDUCATION/CERTIFICATION: A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree. Knowledge This position requires that the employee gain a working knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work. The employee will comply with all requirements of the BSA and cooperate with the designated BSA Officer in assuring compliance. Knowledge of Commercial/Business Lending, Consumer Lending, Commercial Underwriting, Loan Servicing and general economic conditions and competitor’s rates and terms, etc. Experience 5+ years of similar or related experience working in commercial lending. Experience with an established book of business in Heritage Financial Credit Union’s field of membership (Orange, Ulster, and Dutchess Counties in NY and Pike Counties in PA) with knowledge of the market and key contacts. Skills/Abilities Demonstrated commitment to maintaining an active professional presence within Heritage Financial Credit Union’s field of membership with knowledge of the market and key contacts and engaging regularly with businesses, community groups, and civic organizations.Ability to develop and maintain business relationships, influence people, foster relationships, and structure sound credit solutions.Excellent verbal and written communication skills.Ability to project a professional appearance and positive attitude at all times.Excellent project management and analytical skills. What's in it for you? Salary: $130,000 - $160,000 annually, based on experience Benefits Paid Time Off & Paid Federal Holidays Medical, Dental, Vision & Life Insurance Employee Assistance Program Flexible Spending Accounts (FSA)/Health Savings Accounts (HSA) Supplement Benefits: Critical Illness Care, Identity Theft Protection, Pet Insurance, Legal Services BenefitsPlus+ perks program (travel, entertainment, gift cards and so much more) CareNet - benefits concierge service 401(k) with 5% Employer Match Educational Assistance Paid Time to Volunteer HFCU Logo-wear (that our employees wear with pride!) Equal Opportunity Statement Employment at our Credit Union is based upon merit, ability, and qualifications. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status." We need to strip the Equal Opportunity Statement. Now construct sections. About the role: combine the introductory description and "Here's a little about us" plus vision/mission/values/core values. We'll produce a
with that prose. Responsibilities: list from "Essential Functions And Responsibilities" bullet points (they are sentences separated by periods). We'll make
- each.
Requirements: include Education/Certification, Knowledge, Experience. Could be
- each.
Skills: list from Skills/Abilities.
Benefits: list from Benefits.
Pay:
Salary: $130,000 - $160,000 annually, based on experience. No Schedule. Make sure not to include filler. Let's craft. We need to ensure we preserve all substantive info: includes field of membership counties, core values list, etc. Let's write About the role paragraph: "Come Join Heritage Financial Credit Union as VP - Commercial Lending Officer. As VP - Commercial Lending Officer, you'll be the driving force behind our commercial lending growth strategy. You'll develop strong client relationships aligned to our Vision, Mission and Values, and structure lending solutions that help businesses thrive. You’ll be part of a collaborative and ambitious team that values both performance and people. We are seeking candidates with an already established book of business within our field of membership, which includes Orange, Ulster, and Dutchess Counties in NY and Pike Counties in PA. You'll be responsible for goal achievement aligned to the Commercial Lending Department's annual plan while complying with operating policies and procedures established for the credit analysis and approval process. Additionally, you'll be following-up and responding to referrals and requests adhering to our SLAs and supporting our Retail Banking teams with business development efforts. Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed. Our Core Values: Experience: Go Above Expectations; Create Positive Moments; Personally Acknowledge Service: Deliver As One Team; Stay A Step Ahead; Guide With Product Expertise Integrity: Do What's Right; Speak the Truth; Own Our Actions People: Grow Together; Respect Every Voice; Build Trusting Relationships; Strengthen Culture & Community." That seems comprehensive. Now Responsibilities list: need to capture each duty. Let's extract sentences from "Essential Functions And Responsibilities" after that heading. List: - Adhere to HFCU's Vision, Mission and Values in all interactions with members, both internal and external. - Provide exceptional member experience, deliver service with impact service and always execute with integrity throughout all aspects of the commercial loan process. - Develop, originate, manage and underwrite C & I loans and commercial real estate loans which meet established lending requirements and provide maximum profitability to the credit union with minimum risk. - Establish and negotiate the terms under which credit will be extended including loan pricing, structure, repayment terms and collateral requirements that are consistent with the credit union’s policies and financial goals. - Approve and decline loans within lending authority. Provide recommendations for loans above lending authority. - Manage and maintain monthly tickler reports and accurately complete
- each.
Skills: list from Skills/Abilities.
Benefits: list from Benefits.
Pay: