Commercial Services Loan Officer 1st Vice President

GreenState Credit Union Read on to fully understand what this job requires in terms of skills and experience If you are a good match, make an application. Commercial Services Loan Officer 1st Vice President Type: Exempt Full-Time # Commercial GreenState Credit Union Overview Develops, documents, submits underwriting/applications, and distributes commercial loans to existing and potential members. Promotes and solicits commercial deposit accounts and related products and services. Adheres to the Credit Union's core values and Service Standards in carrying out GreenState's mission and vision. Demonstrates a positive member service (internal and external) focus at all times, greeting members and guests with a smile and eye contact immediately upon their arrival, using their name or acknowledging them, and thanking them for their business. Cross-sells and refers all Credit Union products and services. Evaluates, encourages, cooperates and develops cooperation among staff members to ensure quality of work, effective employee relations, and a "team effort" and prompt service to members. Expands education through courses, seminars or conferences as they are offered. Ultimately responsible for assuring credit files are maintained in accordance with guidelines and insuring that all necessary documentation is in the file. Explains the commercial loan application process and products to the membership. Conducts loan interview and analyzes loan requests and lease requests, applicant(s) financial position, credit information, and ability to repay the loan in making an informed decision to approve or deny the loan within officer limits and explains loan or lease documents to applicant(s). Obtains, evaluates and analyzes financial information to determine the cash flow, credit worthiness of the borrower, collateral margins and debt service capacity to submit to Executive Vice President/Commercial Services. Submits initial underwriting and proposed action of commercial loans to Executive Vice President/Commercial Services and Credit Analyst for credit decisions and approval. Submits loan requests and proposed action to Executive Vice President/Commercial Services and Commercial Loan Committee for approval. Works to create a network of contacts and referral sources in the business community through involvement in a variety of activities. Interviews business loan applicants and negotiates terms of credit, including price and collateral requirements. Makes decisions on which credits should be submitted for approval. Obtains and analyzes current financial information on existing loans for the purpose of conducting periodic reviews to determine the ongoing credit worthiness of the borrower. Assures annual reviews or file memos are in file as required by policy for commercial credit relationships. responsible for collection activity of commercial accounts. Works collectively with the Executive Vice President/Commercial Services to assure the CUSO is operating within the guidelines set forth in policy. Actively sells all business deposit accounts and other business products and services. Underwrites, approves, or denies applicants for deposit accounts, ACH products, and Remote Deposit Capture. Participates in community events to increase the Credit Unions' visibility and to enhance and seek new business opportunities. Plays a vital role by participating in three community service organizations and/or credit union sponsored events, on an annual basis. Good time management skills required to manage multiple assignments on time. Interpersonal skills to represent the Credit Union in a positive way during member contact. Knowledge of procedures, forms and regulations as they relate to commercial lending and deposit gathering. Proficiency in a wide variety of personal computer software programs, including the Microsoft Office application suite. A strong working knowledge of local area network directories, protocol and general maintenance procedures. Self-directed nature, ability to work independent of supervision, and ability to follow directions. Maturity and discretion to handle confidential information. Two (2) years of financial institution or equivalent work experience preferred. Vice President/Commercial Lending This position is not responsible for the supervision of other employees. GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union. #