Job Description

SUMMARY

Under the direction of the VP Credit Manager, the Commercial Banking Officer originates, manages, and supervises a large portfolio of commercial loans, with the overall objective of maintaining and increasing asset quality.  Maintains existing relationships and solicits profitable new business for the Credit Union.

 

ESSENTIAL FUNCTIONS  

 Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The following statements are intended to describe the general nature and level of work being performed by this position.  It is not intended to be an exhaustive list of all functions, responsibilities, and skills required of this position.  Other duties may be assigned to meet business needs.

 

• Solicits, develops, and services new business through defined sales calling efforts to achieve individually established goals.  
• Expands existing relationships by consistently communicating with business members for opportunities to meet additional needs with other products or services.
• Develops and implements marketing plans for maintaining and expanding referral relationships with real estate agents, loan brokers, community development companies, attorneys, accountants, financial planners, and other key referral sources.
• Maintains knowledge of all commercial loan and depository products and services.
• Maintains a clear understanding of operational flow processes to communicate and set realistic expectations with prospects and existing business customers.
• Recommends the appropriate financial solution based on borrower’s needs and financial position. 
• Maintains knowledge of the industries or market areas served
• Maintains and builds a robust pipeline to ensure production goals are met on an ongoing basis.
• Ensures that monthly reports are generated in a timely manner.
• Ensures pipeline and lending results are reviewed regularly for accuracy and to goals and objectives.
• Fosters positive inter-departmental relationships to ensure outstanding service to internal and external members.
• Meets all established financial and non-financial goals.
• Partners with Branch Managers to identify business loan opportunities with existing and potential members.
• Actively participates in product presentations, various community organizations and events to promote the image of the Credit Union.  Such activity is reported to Chief Credit Officer monthly.
• Interviews loan applicants, gathers required documentation, conducts loan closings and guides members through the loan origination process from beginning to end.
• Recommends loan proposals and structure for approval and works closely with the lending staff to complete the underwriting, approval, documentation and closing process.
• Consolidates applicant information into a working file for underwriting and analysis purposes.
• Analyzes financial statements and tax returns to substantiate borrower’s financial ability to qualify pursuant to current loan underwriting criteria and standards.
• Fully discloses all lending terms (pricing, costs, and structure pursuant to current pricing matrix) to the borrower.
• Manages member expectations throughout the application process to ensure positive member experience.
• Manages loans within the loan portfolio including following up with collections or delinquencies, collecting updated financials annually, and performing regular site inspections.
• Ensures compliance with all applicable laws and regulations as well as internal policies and procedures.
• Develops and implements action plans to promote, support and grow our lending activity to achieve goals.
• Keeps abreast of legislation and regulations as it pertains to lending.

 

COMPETENCIES

•  Communication
• Member Service Orientation
• Quality/Quantity
• Job Knowledge
• Judgment
• Self-Management

 

QUALIFICATIONS

 The requirements listed below are representative of the knowledge, skill, and/or ability required.

 

_EDUCATION AND EXPERIENCE _

• Bachelor’s degree in Business, Finance or related field, or an equivalent combination of experience and training.  
• Four to seven years commercial lending experience.
• Prior experience managing relationships in market area preferred.
• Knowledge and understanding of Credit Union activities, policies, procedures, and systems.

 

CERTIFICATES, LICENSES AND REGISTRATIONS

• None

 

KNOWLEDGE

• Commercial lending best practices.
• In-depth knowledge of current and approved methodologies of risk measurement.   
• USDA and SBA Loan Programs and Standard Operating Procedures.
• Credit Union member business services.
• Federal and state laws governing credit unions.
• Credit Union products, services, programs, and promotions.
• Computer system/software (MS Office, other software needed to effectively perform job).

 

OTHER SKILLS AND ABILITIES

• Ability to be bonded.
• Operates a variety of office equipment and machines.
• Ability to travel, attend, and participate in meetings, seminars, and conferences held before and after normal business hours that may require unaccompanied long-distance travel and overnight lodging.

 

PHYSICAL REQUIREMENTS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

 

 

While performing the essential functions of this job, the employee:

 

Occasionally

(up to 3 hours per workday)

 

Frequently

(3 - 6 hours per workday)

 

Regularly

(more than 6 hours per workday) 

 

Sits

 

 

 

 

 

                   X

 

Stands

 

X

 

 

 

 

 

Walks

 

X

 

 

 

 

 

Bends neck or waist

 

X

 

 

 

 

 

Twists neck or waist

 

X

 

 

 

 

 

Stoops or kneels

 

X

 

 

 

 

 

Uses hands to finger, handle or grasp

 

 

 

 

 

                   X

 

Repetitively uses fingers

 

 

 

 

 

                   X

 

Reaches, pulls or pushes below shoulder level

 

X

 

                   

 

 

 

Reaches, pulls or pushes above shoulder level

 

X

 

 

 

 

Lifts and carries

 

                   11 to 25 pounds

 

 

 

                   Up to 10 pounds

 

Talks 

 

 

 

 

 

                   X

 

Hears

 

 

 

 

 

                   X

 

Sees

 

 

 

 

 

                   X

 

Drives a vehicle

 

X

 

                   

 

 

 

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.   Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

 

 

Working Condition:

The worker is not substantially exposed to adverse environmental conditions.

 

Mobility

 

Moderate

 

Noise Level

 

Moderate

AFFIRMATIVE ACTION/EEO STATEMENT:

CoastHills Credit Union is an Equal Opportunity/Affirmative Action Employer.   All qualified applicants will receive consideration for employment, without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.

Monday - Friday