Commercial Loan Officer II

Pre-employment background checks, such as criminal reports, credit reports, and drug tests, will be required. Job offers are contingent on successfully completing all pre-employment background screenings.

Serve as a more senior Commercial Loan Officer. Maintain a thorough knowledge of the MBS Loan Policy of credit unions including regulatory compliance criteria for granting business/commercial loans including construction loans. Solicit loans; compile, prepare & underwrite applications including construction loans; perform credit analysis, borrower loan risk rating, and loan reviews. Review underwriting analysis for determination of approval/denial of credits for large loans sent to CUSO. Prepare and participate in Loan Presentations to the MBS Loan Committee including participation in loan purchases and construction loans. Minimum of 5 years experience in commercial lending.

Essential Duties and Responsibilities:

• Responsible for selling and cross-selling Credit Union services to current and potential members. Credit Union services are to be promoted using the "member benefit-based approach".
• Fully complies with the requirements of all Credit Union policies, including but not limited to the Bank Secrecy Act, the Patriot Act and OFAC Policies.
• Interview borrowers applying for business/commercial loans including construction loans or refinancing of existing loans, and performance of borrower annual reviews.
• Responsible for soliciting and managing construction loans.
• Evaluate and interpret financial information provided by borrowers; perform credit investigations, financial analysis, underwrite & risk rating of the business. 
• Recommend/submit over-limit loan requests to AVP or CLO and/or MBS Loan Committee. Provide recommendations to AVP or CLO and/or MBS Committee with regard to risk, structure, pricing, and financing options.
• Responsible for generating new loan and fee income that contribute to the desired mix in loan type, profitability, risk, quality, and growth.
• Maintain accurate and complete credit files. Participate in the collection of past-due business loans. 
• Ensure that the Credit Union is in compliance with all laws, rules, and regulations that govern the Credit Union’s business/commercial lending program. 
• Assist Branch Managers and other appropriate personnel in the promotion of Member Business Services.
• Perform Due Diligence of Credit Unions/CUSOs selling loan participations and 3^rd party vendors.
• Coordinate with Credit Unions/CUSOs selling loan participations, from initial contact to booking. 
• Stay abreast of all credit union Business Services and operations. Review loan policies, procedures, and regulations directly involved with MBS.
• Active participation in community and corporate functions.
• Mentor new and junior commercial lenders
• Lead sales meetings  
• May be assigned other tasks by appropriate line supervision.

Supervisory Responsibilities:

There are no direct reports but may assist the AVP or Manager with some supervisory duties.

Education and/or Experience:

Bachelor’s Degree in Finance, Business, Accounting, Business or Economics; 10 years’ experience in commercial lending preferred.  Strong preference will be given to an existing loan client.

Other Skills:

• Demonstrate effective problem-solving and interpersonal communication skills.
• Ability to work well in a sales-driven environment.
• Possess excellent product knowledge and organizational skills.
• Ability to make knowledgeable loan decisions based on information supplied by the customer verified through a rigorous underwriting process.
• Proven track record with sales and new business development in conjunction with meeting/exceeding individual and team sales goals.
• Ability to manage multiple tasks at one time with minimum direct supervision.
• Knowledge of applicable laws and regulatory compliance.

Computer Skills:

To perform this job successfully, an individual should have extensive knowledge of Microsoft Office software including Windows, Word, Excel, Outlook Email /Calendar, and Internet Explorer software.  Experience in Bank Labs Construction, Symitar, Episys, and nCino preferred.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job.  Regularly required to stand; use hands or fingers, touch or feel, and reach with hands and arms.  Frequently required to walk, stand, stoop, kneel, crouch, or crawl.  Occasionally required to sit, climb, and balance.  Frequently required to lift and/or move up to ten pounds and occasionally lift/or move up to twenty-five pounds. Regularly required to listen and interpret information received through spoken words and sentences in person and by the phone and accessed via the computer.  Regularly required to communicate information and ideas so others will understand both in person, on the phone,e, and via the computer. Vision requirements include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.