Vice President Commercial Deposit & Lending chez TAPCO Credit Union

Description

Serving the South Sound Since 1934

Our commitment to the South Sound is generations in the making. As a not-for-profit credit union, we’re here to help you succeed. With branches throughout Tacoma and Pierce County, we’re proud to be part of your community every day. It won’t take long to experience what our founders meant by “People Helping People.”

At TAPCO, we know our employees are essential to our mission. We foster a collaborative environment where individuals can grow, thrive, and bring their authentic selves to work. We understand the meaningful impact one organization can have on a community and are proud to champion diversity, equity, inclusion, and belonging — we value you.

Position Purpose

Management of the Commercial Deposit & Lending department to include portfolio oversight, team leadership, and community outreach while maintaining and attracting profitable commercial deposit and loan relationships. Relationships include complex commercial real estate loans as well as a robust small business retail deposit and lending services platform. The primary goal is to expand lending and deposit services to the local business community.

Base Expectations

Embraces and lives TAPCO's Values.

• We are People-Centric
• We are Curious
• We are Inclusive
• We are Collaborative
• We are a Trusted Partner

Core Competencies

Member Focus: Build strong relationships inside and outside the organization while delivering member-centric solutions.

Instills Trust: Building trust by making good and timely decisions while consistently achieving results, even under challenging circumstances.

Drives Results: Making good and timely decisions while consistently achieving results, even under challenging circumstances.

Cultivates Innovation: Creating new and better ways for the organization to be successful even during times of uncertainty.

Leadership Competencies

Drives Purpose and Vision: Painting a compelling picture of the vision and strategy for TAPCO through the development and motivation of their team.

Plans and Aligns: Planning, prioritizing, providing direction and removing obstacles to keep TAPCO moving forward and meeting our organizational goals.

Senior Leadership

Strategic Mindset: Applying knowledge of the financial industry to envision future possibilities and translate them into breakthrough strategies.

Position Responsibilities

• Establish and service a sound commercial deposit and loan portfolio by cultivating new and expanding existing business through an effective outreach program.
• Evaluate, analyze, underwrite, create, and recommend commercial loan submissions for approval to the appropriate lending authority.
• Embeds diversity, equity, inclusion, belonging, and accessibility (DEIBA) into your daily workflow.
• Approve, decline or counteroffer loan applications as appropriate within assigned lending authorities.
• Provide clear and accurate oversight of the commercial deposit and loan portfolio including the execution of account and loan agreements and perfecting TAPCO’s security interest, as needed.
• Perform risk ratings and annual loan reviews that are accurate, timely and complete.
• In partnership with management, develop and implement new commercial deposit and loan products and services.
• Lead the Commercial Deposit & Lending Department staff in delivering efficient and effective service and support. 
• Participate in various community service or social organizations on behalf of the Credit Union.
• Partner with the business community to identify opportunities and seek input for the creation of small business products to meet demand.       
• Maintain an up-to-date knowledge of and adheres to the requirements of all related policies, procedures, rules and regulations required for position. 
• Model a high level of customer service and professional demeanor and appearance.
• Thorough knowledge of all aspects of real estate lending including knowledge of all applicable laws, regulations and programs
• Maintain an understanding of and adheres to the requirements of all federal, state, and local laws, including those of the Bank Secrecy Act (BSA) and the Office of Foreign Assets Control (OFAC), as it specifically relates to the job functions.
• Assume responsibility for other duties as required or assigned.

Requirements

Position Qualifications

• Bachelor’s Degree in business or related field or equivalent experience.
• Minimum of 5 years of commercial financial services experience.
• Ability to perform commercial credit underwriting.
• Working knowledge of business deposit accounts and services.
• Knowledge of laws and regulations governing business lending practices.

Preferred Qualifications

• Ability to prioritize, organize, solve problems and work independently.
• Experience managing teams. 
• Excellent oral and written communication skills.
• Involvement in various community activities and organizations.
• Demonstrated record of success in developing and retaining a commercial loan portfolio.
• Experience in handling problem loans.
• Credit Union background helpful.

Position Working Conditions

• The work environment is an office setting. 
• Travel to customer sites may be required – Must have valid driver’s license and vehicle.
• Evening events to build relationships with the community may be required.

Salary:  $114,705.00 - $132,000.00 commensurate with experience and qualifications.  

Benefits

TAPCO offers a comprehensive benefit package:

• 100% Employer-paid medical, vision, prescription, and dental insurance option for all full-time employees. 
• 50% Employer-paid spouse coverage.
• 65% Employer-paid dependent children coverage
• Flexible Spending Account (FSA)
• Dependent Care FSA
• Health Savings Account (HSA)
• 401(k) Plan with up to 7% match
• 100% Employer-Paid Life Insurance/AD&D package
• Paid Vacation and Sick Time
• 11 Paid Holidays + 1 Floating Holiday
• Optional Short- and Long-Term Disability
• Employee Assistance Program
• 40 paid volunteer hours
• Shared Bonus Plan (when company goals are achieved)

Diversity, Equity, Inclusion, Belonging, and Accessibility (DEIBA) Purpose Statement

TAPCO embraces diversity, equity, inclusion, belonging, and accessibility (DEIBA) and is committed to creating a workplace where all stakeholders involved, regardless of gender, race, ethnicity, national origin, age, sexual orientation, identity, education, or limited mobility and abilities, feel valued and respected. 

• We are committed to include diversity, equity, inclusion, belonging, and accessibility at the center of our work.
• We are committed to nondiscriminatory practices and provide equitable opportunity for all. 
• We respect and value diverse life experiences and heritages and ensure that all voices are valued and heard.
• We welcome every person to bring their authentic perspective and experience to advance our mission.
• We focus on real people's experiences to uncover and address systemic inequities.
• We address our gaps and inequities through products, practices and policies that uplift our employees, members, and community. 
• We put allyship into action every day.
• We value the seen and unseen qualities that make you who you are.

Equal Opportunity Employer Statement 

TAPCO Credit Union is an equal opportunity employer that is committed to diversity and inclusion in the workplace. As a people-centric organization, we believe every employee and applicant has the right to work in surroundings that are free from all forms of unlawful discrimination. 

TAPCO does not discriminate on the basis of actual or perceived race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth and pregnancy-related conditions), gender identity or expression (including transgender status), sexual orientation, marital status, military service or veteran status, physical or mental disability, genetic information, or any other characteristic protected by applicable federal, state or local laws and ordinances. 

Equal employment opportunity applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, transfer, training, compensation, benefits, employee activities, access to facilities and programs, termination, layoff, leave of absence, and general treatment during employment.