Commercial Lender

2 weeks ago

Oak Ridge, United States Y-12 Federal Credit Union Full time
Reports to: VP, Business Lending

Supervises: 0 (Direct) 0 (Indirect)

ESSENTIAL FUNCTIONS
  • Identify, solicit, develop, manage, service and expand Commercial Banking relationships. Offer a full range of loan, deposit, and non-credit services to existing and prospective commercial clients. Refer personal financial needs of business clients to appropriate branch or team member. Serve as the relationship manager for commercial clients and develop/maintain a "trusted advisor" relationship.
  • Develops new commercial lending and deposit relationships utilizing a self-managed calling program. Solicit a variety of the largest and most complex commercial loans and full banking relationship through client and prospect calls. Follows up on referrals from branches and other parties to solve the needs of commercial members and prospects. Build strong relationships with prospects and centers of influence.
  • Specialist on complex and technical commercial requests. Demonstrate a detailed understanding of major technical aspects of lending and a clear understanding of credit and finance. Interview applicants to ascertain needs. Request necessary information to identify, evaluate and mitigate risk. Prepare and present credit files for review/decision. Consistently balances prospecting efforts and portfolio management responsibilities.
  • Ensure commercial credit union relationships are fully developed and retained, including specific efforts to serve the retail needs of our business members. Obtain and maintain Centers of Influences and attending various networking events in the assigned geographic area (knowledge of local market is required).
  • Assume responsibility for proper documentation and review of accounts and loans, along with adherence to policy and procedures. Monitor loans to ensure complete conformity with terms and to ascertain any developing trends. Prepare for client reviews, identifying opportunities for presenting unsolicited solutions/advice.
  • Assume leadership role within the department by mentoring and training Business Services Officers. Perform other related job duties as necessary.
EDUCATION/ EXPERIENCE
  • Bachelor's degree in Finance, Accounting or business related field required. Equivalent work experience will be considered.
  • Minimum of five (5) years of commercial lending experience required.
OTHER SKILLS AND ABILITIES
  • Strong relationship management and business development/sales skills.
  • Thorough knowledge of credit and credit quality including financial analysis abilities.
  • Ability to work effectively with individuals and groups in managing member relationships.
  • Must be able to work independently and to organize and plan schedule for optimal productivity and achieve production goals.
  • Maintain comprehensive knowledge of the Credit Union's products and services in order to identify cross-selling opportunities which benefit the member.
  • Proven track record of effective selling of commercial products and other financial services.
  • Understanding of credit principles and underwriting processes.
  • Understanding of economic and competitive environment of geographic area.
  • Advanced ability to make effective business development calls.
  • Ability to work with minimal supervision.
  • Ability to meet goals.
  • Knowledge of commercial and business loan underwriting.
  • Knowledge of commercial loan documentation.
  • Knowledge of general loan products.
  • Ability to communicate effectively.
  • Ability to foster teamwork and a favorable working environment.
  • Excellent presentation, verbal and written communication skills.
  • Well-developed analytical and problem-solving skills.
SERVICE STANDARDS:
  • Own the Issue
    • Build confidence that you will help through your words and actions.
    • Minimize the team/member's effort.
  • Personalize the Experience
    • Show that you care about the person and the issue.
    • Adapt to the team/member's pace, style, and emotional tone.
  • Be Authentic
    • Be genuine.
    • Be present in the conversation to avoid sounding mechanical.
  • Understand, then Solve
    • Aim for one-call resolution.
    • Address the underlying issue vs. just the request.
    • Be crystal clear on next steps.
  • Be Curious to Exceed Expectations
    • Pick up on cues and clues indicating other needs.
    • Engage in conversation to discuss broader needs.
    • Help the member access additional resources, products, and services to gain more value.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk, hear, and sit. This position requires standing, walking, bending, kneeling, stooping, crouching. The employee may occasionally lift and/or move items over 15 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

WORK ENVIRONMENT:

Typical office - no hazardous or unpleasant conditions.

We are an EEO Employer

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Supervisors as deemed appropriate may assign additional functions and requirements.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

  • Commercial Real Estate Lending Specialist

    4 weeks ago

    Oak Lawn, Illinois, United States Wintrust Full time

    Job Title: Commercial Real Estate LenderWintrust is a financial holding company with approximately $50 billion assets under management and traded on the NASDAQ:WTFC. Our company operates fifteen community bank subsidiaries with over 170 banking locations in the greater Chicago and southern Wisconsin market areas. We also operate various non-bank business...

  • Title: Escrow Officer

    3 weeks ago

    Red Oak, Texas, United States JHH Central Management Services Full time

    Job Title: Escrow Officer - Residential and Commercial ClosingsJob Summary:We are seeking an experienced Escrow Officer to join our team at JHH Central Management Services. As an Escrow Officer, you will be responsible for overseeing residential and commercial title closings from contract opening to disbursement and post-closing. You will also supervise the...

  • Underwriter

    2 weeks ago

    Oak Brook, United States The Inland Real Estate Group of Companies, Inc. Full time

    Inland Mortgage Capital Corporation, a fast growing national commercial real estate debt fund lender is seeking to hire a Commercial Real Estate Underwriter to join its Credit Administration Team in the Chicagoland, IL Office. We are a drug-free workplace. Pre-employment background checks and drug screening is performed on all new hires, in accordance with...

  • Mortgage Loan Originator

    3 weeks ago

    Red Oak, Iowa, United States Bank Iowa Full time

    Mortgage Lender Job DescriptionA Mortgage Lender at Bank Iowa plays a crucial role in originating mortgage loans and promoting the bank's services to the community. This position may also involve originating agricultural and commercial loans. The Mortgage Lender helps identify and serve the community's financial needs through loan counseling, seminars, and...

  • Regional Vice President

    3 weeks ago

    Oak Brook, Illinois, United States Coface North America Insurance Full time

    Job OverviewCoface North America Insurance is seeking a highly skilled Regional Vice President - Direct Sales to lead our Midwest team. As a key member of our sales leadership team, you will be responsible for driving new business revenue by leading a team of sales professionals in targeting, prospecting, and winning new customers.Key Responsibilities:* Lead...

  • Asset Management Specialist

    4 weeks ago

    Oak Brook, Illinois, United States Clear Height Properties Full time

    About the RoleThis position plays a crucial role in the success of Clear Height Properties by supporting the strategic oversight and performance of the company's portfolio. The Asset Management Analyst will report to the Managing Director of Asset Management and work closely with the team to evaluate and track the performance of properties, manage...

  • Investment Analyst

    1 day ago

    Oak Brook, United States Pine Tree Full time

    Founded in 1995, Pine Tree is the premier owner and operator of open-air shopping centers in the US with over 17 million square feet and $2.5 billion of assets under management. Pine Tree employees are guided by our core values of collaboration, trust, diligence, and empathy to optimize and grow our portfolio through elevated, insightful, and value-driven...

  • Investment Analyst

    2 days ago

    oak brook, United States Pine Tree Full time

    Founded in 1995, Pine Tree is the premier owner and operator of open-air shopping centers in the US with over 17 million square feet and $2.5 billion of assets under management. Pine Tree employees are guided by our core values of collaboration, trust, diligence, and empathy to optimize and grow our portfolio through elevated, insightful, and value-driven...

  • Asset Management Associate

    1 day ago

    Oak Brook, United States Pine Tree Full time

    Founded in 1995, Pine Tree is the premier owner and operator of open-air shopping centers in the US with over 17 million square feet and $2.5 billion of assets under management. Pine Tree employees are guided by our core values of collaboration, trust, diligence, and empathy to optimize and grow our portfolio through elevated, insightful, and value-driven...

  • Asset Management Associate

    2 days ago

    oak brook, United States Pine Tree Full time

    Founded in 1995, Pine Tree is the premier owner and operator of open-air shopping centers in the US with over 17 million square feet and $2.5 billion of assets under management. Pine Tree employees are guided by our core values of collaboration, trust, diligence, and empathy to optimize and grow our portfolio through elevated, insightful, and value-driven...

  • Asset Management Analyst

    1 month ago

    Oak Brook, United States Clear Height Properties Full time

    Job DescriptionJob DescriptionKick a$$ people only – if you're not, just keep scrolling!About Us: Clear Height Properties, headquartered in Oak Brook, IL, is leading the way in creating value in both buildings and relationships. Specializing in Industrial and Suburban Office Real Estate opportunities, CHP is committed to value-add, opportunistic, and...