COMMERCIAL SERVICES OFFICER

Overall Job Purpose

At Sandia Area, every position plays a vital role in fulfilling our mission to deliver high-value banking and lending services that strengthen the financial well-being of our members and community. Each team member is expected to embody our core values of Service, Sustainability, Efficiency, Trust, Stewardship, and Growth, contributing to our vision of empowering lifelong achievement through better banking. While specific responsibilities vary by role, every position carries universal expectations aligned with its level of responsibility and authority across the organization.

As a(n) Commercial Services Officer at Sandia Area, you are responsible for delivering excellent service while maintaining personal accountability in your actions and behaviors. By prioritizing member satisfaction and operational efficiency, you directly contribute to the organization’s mission of strengthening financial well-being for our members and community. You are entrusted to uphold our values in every interaction, ensuring trust, accuracy, and a focus on service excellence.

Reporting directly to the Vice President Commercial Lending, the Commercial Services Officer is responsible for opening, maintaining and closing business accounts in accordance with Credit Union policy, establishing online account profiles for new members, cross-selling additional products, training Member Consultants about business products and services, assisting members with online services and participating in networking or community events when requested.

Duties and responsibilities

Department Operational Support

• Actively cross-sells Credit Union products and/or services to meet business members' needs and achieve Credit Union goals and objectives.

• Processes new business account transactions including but not limited to, opening, maintaining and closing of business accounts.

• Develops a comprehensive understanding of the member needs, based on the review and analysis of personal and business financial data gathered.

• Performs loan interviews, gathering background information on loan applicants such as consumer reports, employment/income verification, etc. to provide to the VP Commercial Lending, Commercial Loan Officer, or Commercial Loan Analyst.

• Works closely with Branch Managers to ensure service levels for business deposit accounts are high.

• Conduct training sessions at both the branches and Operations Center about business deposit products, services and initiatives.

• Develops and maintains an in-depth knowledge of products and services, as well as knowledge of market competitors and competitive products.

• Ensures the Credit Union's business deposit structure and pricing are competitive in the local marketplace.

• Participates in community events to increase the Credit Union's visibility and to enhance new business opportunities.

Compliance & Policy Adherence

• Review documentation for all opened business checking accounts to ensure compliance with Credit Union policies.

Expectations of all Sandia Area employees

• Demonstrate a strong commitment to upholding the organization’s mission, vision, and values in all interactions and responsibilities.

• Represent the credit union with professionalism, integrity, and ethical conduct at all times.

• Maintain a thorough understanding and strict adherence to credit union regulations, compliance requirements, policies, procedures, and operational guidelines.

• Consistently meet deadlines as assigned while ensuring accuracy, efficiency, and adherence to quality standards.

• Foster a positive and supportive environment for both members and employees, ensuring interactions align with the credit union’s mission and service philosophy.

• Adhere to all regulatory and compliance policies, upholding the highest standards of security, confidentiality, and ethical financial practices in all interactions.

• Maintain the confidentiality and security of information, records, and sensitive data, in compliance with credit union policies and regulatory requirements.

• Adapt to evolving responsibilities, taking on additional duties as assigned to support the success of the organization.

• Demonstrate a commitment to continuous learning, professional development, and staying informed on industry trends and best practices.

• Willing to undergo background and credit checks as required by federal and state regulations.

• Understand and comply with all policies, procedures, and legal guidelines, including adherence to the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), and other applicable financial regulations.

Knowledge, Skills, and Abilities (KSAs)

• Expertise in sales, financial services and computer applications with a requisite understanding of financial institution operations.

• Requires excellent interpersonal communication skills, to include strong active listening and selling skills, to maintain and grow business relationships.

• Excellent oral and written communication.

• Self-starter, highly motivated, and polished professionally to maintain Credit Union's standing and public image within the community

• Ability to use critical thinking skills to evaluate information.

• Must possess strong sales energy.

• Willingness to work flexible hours as needed.

• Exceptional time management and organizational skills, with the ability to prioritize tasks, manage multiple responsibilities, and adapt to a fast-paced environment.

• Proactive in seeking professional growth, embracing both formal and informal development opportunities, and demonstrating adaptability to new responsibilities.

• Team-oriented with a strong collaborative mindset, actively supporting team members and contributing to a positive and high-performing environment.

• Proficient in Microsoft Office, including Outlook, Word, Excel, and PowerPoint.

• Ability to perform essential functions, including the ability to lift up to 20 lbs. as needed.

Minimum Education and Experience Requirements

• Bachelor's degree in related field.

• • Directly related experience, in addition to minimum years required, may be considered as a substitution.

• Two (2)year(s) of applicable experience required.

• Minimum of 2 years’ experience in a sales, financial services, or lending role or high school diploma or equivalent with a minimum of 6 years’ experience in a sales, financial services, or lending role. 

• Must have strong relationship management skills.

• Highly developed sales and networking skills.

Must maintain an active and valid driver’s license to attend networking and community events as needed.

*** Please submit an employment application to www.sandia.org/careers ***

Sandia Area Federal Credit Union (SAFCU) is an Equal Opportunity Employer.

Sandia Area Federal provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.