Commercial Lending Officer - Small Business bei Community First Credit Union

Role:

To originate, manage, and supervise the portfolio of commercial loans, with the overall objective of maintaining and increasing asset quality; to develop new and existing business relationships.  The Loan Goal for this position is $6MM annually and Deposit Goal is $475M annually.

Major Duties and Responsibilities:

• Takes applications for commercial loan business. Reviews customer financial condition and assesses the customer’s ability to re-pay the loan. Completes or directs completion of all loan documents and closes loans.
• Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up to date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
• Participates in developing lending and deposit business for the company. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the company’s client base.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• All other duties as assigned.

Knowledge and Skills:

EXPERIENCE: Two years to five years of similar or related experience.

EDUCATION/CERTIFICATIONS/LICENSES: A college degree

INTERPERSONAL SKILLS: The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job.

OTHER SKILLS: Must have experience in analyzing business financial statements and assessing the viability of businesses; must have excellent communication and PR skills; ability to use related software required.

ADA Requirements:

PHYSICAL REQUIREMENTS

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

WORKING CONDITIONS

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

MENTAL AND/OR EMOTIONAL REQUIREMENTS

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence.  Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Community First Credit Union is an Equal Opportunity Employer. Community First values and celebrates diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected Veteran.