Commercial Banking Manager

2 weeks ago


Lake Havasu City, United States Arizona Financial Credit Union Full time

Position Summary:

The Commercial Banking Manager is responsible for managing the team responsible for the origination, underwriting, closing of new and renewal loan prospects and the management of the existing non-troubled asset in the commercial loan portfolio.  The Manager has direct reports: Commercial Loan Officers and Commercial Bankers

The position requires a strong work ethic, the ability to prioritize and adapt to changing deadlines, advanced interpersonal skills, excellent communication, and the desire to work as a team to support the overall success of the Bank.  Persons in this position must possess a strong knowledge base about all types of conventional lending.  Additionally, they must possess a strong knowledge of commercial lending, commercial banking, and the SBA 504 loan program, policies, and procedures.


Essential Responsibilities:

  • Oversee / Assist with all Commercial Loan Officer and Commercial Bankers  responsibilities.
  • Assist the Processors, Underwriters, and Loan Closers with their responsibilities as needed.
  • Assist the Portfolio Managers with their responsibilities as needed.
  • Assist Business Banking Officers on developing depository and treasury management relationships.
  • Collaborate with leadership in creation of and implementation of department Strategic Plan.
  • Collaborate with leadership in creation of and execution of department budget.
  • Solicits and services a variety of Commercial and Government Guaranteed Loans.
  • Recommend credits for approval or declination.
  • Inspect real property to ensure the condition and quality of collateral.
  • Monitor existing portfolio for performance, compliance, and ongoing needs.
  • Cross sell services to develop and maintain a complete member relationship.
  • Review and analyzes financial data submitted by borrower to determine credit worthiness and ability to repay request as structured.
  • Calls on existing members periodically as part of a program of on-going member contact.
  • Provides guidance to credit analysts and support staff and other loan officers.
  • Represent the bank in negotiations and loan closings.
  • Monitors the groups loan portfolio on a continuous basis.
  • Monitors the groups loans after booking to ensure that they were properly booked.
  • Review the groups loan documentation to ensure consistency with loan approval requirements and proper collateral perfection and lien position.
  • Organize electronic files according to Synergy procedures.
  • Assist in ordering of all necessary third-party reports. 
  • Monitor the groups preparation of the Borrower Risk Rating sheet.
  • Assist in compiling documentation for potentially new vendors; submit to CCO/vendor management for approval, follow up when necessary.
  • Assists in compiling any Commercial Mortgage Broker approval package, including SAMS verification, for Chief Credit Officer approval.
  • Assist Underwriting group when needed with completion of financial spreads in Moody’s, loan presentations in Sageworks and modification memos as directed.
  • Assist Portfolio Management group when needed with completion of financial spreads in Moody’s, annual reviews, and portfolio management reports, as directed.
  • Assist in managing construction loan draws when needed.


Required Qualifications

High school diploma or GED and ten years in Commercial Banking with at least seven  years of experience as a Commercial Loan Officer or equivalent. In-depth knowledge of commercial lending along with compliance and credit regulations. Knowledge of Microsoft Office and JHA.  Professional written, verbal communication, problem solving, and interpersonal skills, along with the ability to produce quality work within tight time frames while managing multiple assignments.  Ability to work on core processing systems (JHA) and department specific processing systems.  Strong work ethic, the ability to prioritize and adapt to changing deadlines, advanced interpersonal skills, excellent communication, strong problem-solving skills, and the desire to work as a team to support the overall success of the credit union.  Possess a strong knowledge base about Conventional and Government Guaranteed Lending  policies and procedures.


Preferred Qualifications:

  • Bachelor’s degree or relevant industry certification
  • Prior Commercial lending experience
  • Prior management experience over a Commercial Lending group


Physical Requirements:

  • Occasional lifting, 25 lbs. or less.
  • Sitting and standing for extended periods of time.
  • Working on a computer for extended periods of time.




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