Commercial Loan Officer bei Wings Financial

Job Summary:

Responsible for developing new business, underwriting, structuring and closing commercial loans which meet established lending requirements to provide maximum return with a minimum of risk.  Develop business and community relationships to foster the growth of Wings Financials business member base.

Essential Functions:

• Source and develop relationships to grow commercial loan portfolio and educate prospective members of Wings’ commercial deposit and Treasury Management services.
• Interview loan applicants and analyze financial data to determine the creditworthiness of prospective borrowers.
• Collect and analyze member financial information with assistance of credit analyst in evaluating ongoing debt service capacity of the member for outstanding loans and new loan requests.
• Structure and approve loans up to individual lending authority and serve as contact officer on loans above this limit.
• Prepare and present new commercial loan requests and annual reviews to Chief Lending Officer and Business Loan Review Committee (BLRC) for approval.
• Review loan documentation and work with credit union personnel or outside attorneys to ensure loan documentation is prepared in accordance with loan approval.
• Meet with members periodically to discuss possible changes in business management, financial trends or industry changes.
• Assist in collection of information for annual review preparation to support prudent loan portfolio management and ensuring compliance with NCUA guidelines.
• Work with Treasury Management personnel to establish full depository relationship with members.
• Performs other duties as assigned.

Additional Responsibilities:

• Maintain full knowledge of all available credit union products and services.
• Cross-sell and make referrals to other credit union departments including private banking,
• consumer loans, home mortgages and investment services.
• Continuing education and networking throughout the year to gather knowledge of changing industry trends.
• Participate in community activities and civic organizations to increase Wings Financials community involvement visibility.

Qualifications:

• Bachelor’s degree preferred
• 3+ years of commercial banking experience required or equivalent combination of education and experience.
• Ability to apply advanced mathematical concepts and problem-solving skills.
• Experience in reading, analyzing and interpreting financial reports and legal documents.
• Ability to communicate in all forms of correspondence and forums.
• Excellent verbal and written communication skills.
• Demonstrates understanding of, and compliance with, governing regulations and laws.
• Supports goals and objectives established by the board of directors and senior management.
• Bondable