Commercial Loan Officer

3 weeks ago

Wilmington, North Carolina, United States St. Mary's Credit Union Full time

We are seeking a highly skilled Commercial Loan Officer to join our team at St. Mary's Credit Union. As a key member of our commercial lending team, you will be responsible for developing strategies to sell banking products and services to small and medium-sized businesses.

Key Responsibilities:

  • Develop a portfolio of new business, achieving a balance between measured growth and asset quality, while maintaining desired levels of member satisfaction.
  • Contribute to a positive work environment and SMCU image by maintaining courteous, respectful and effective interactions, teamwork and communication with employees and members.
  • Originate commercial business, including small business loans, through individual business development efforts.
  • Responsible for initial loan qualifying and pre-underwriting and loan processing.
  • Generate commercial deposit relationships and maintain frequent contact with targeted member base to expand member relationships, ensure member retention and meet financial goals and objectives.
  • Work with Small Business Administration (SBA) and other government loan guarantee programs.
  • Develop and implement marketing plans for expanding new or existing member bases and product usage.
  • Identify prospects and referral sources for solicitation through an internal network and outside professional and civic referral sources.
  • Monitor portfolio and recommend appropriate action on credit quality rating, problem loan recognition and remedial action.
  • Ensure compliance by reviewing appraisals and various other applicable reports.
  • Responsible for the business portfolio annual review function, including gathering updated financials and recommending risk ratings.
  • Maintain an awareness of competitive products, practices and pricing reflecting changes in the Credit Union's primary market area.
  • Keep current of economic, financial and political trends to assist in the determination of risk in establishing and maintaining member relationships.
  • Makes recommendations to enhance existing products or introduce new products to meet changing needs.
  • Interact with Retail team to assist in identifying business prospects. Coach staff in the areas of sales, application procession and loan closing.
  • Ensure compliance of all operations with established policies and procedures, and continually reviews and upgrades policies and procedures to ascertain accuracy.
  • Prepare and maintain specific regular reports for management, including activity reports, sales reports, and other reports as needed.
  • Perform other related managerial duties as may be assigned or requested.

Requirements:

  • Bachelor's degree or its equivalent in coursework, training or experience.
  • Five years of experience in business lending.
  • SBA experience and thorough knowledge of SMA documents and process required.
  • Credit, underwriting experience and risk analysis experience required.
  • Well-developed organizational, analytical and decision-making skills.
  • Must possess a valid Massachusetts driver's license.

Competencies:

  • Leading Change: Facilitates the implementation and acceptance of change; encourages others to seek opportunities for different and innovative approaches to addressing problems and opportunities.
  • Collaboration: Identifies opportunities and takes action to build strategic relationships between own area, other areas, teams and departments to help achieve SMCU goals.
  • Leadership Communication: Ability to explain, advocate and express facts and ideas in a convincing manner. Keeps SMCU's vision, mission and values at the forefront to employee decision making.
  • Service Focused: Demonstrates strong commitment and concern for the needs and expectations of customers, and utilizes an understanding of the customer needs as the basis for action.
  • Strategic Business Understanding: Identifies business needs and builds plans to help meet stated business goals. Communicates with staff the business objectives and encourages feedback that will help in planning and analysis.
  • Results Driven: Holds self and others accountable for results. Carries out an effective management of resources under shifting priorities to meet expected results within time, budget and quality standards.
  • Knowledge & Skills: Possesses, acquires and maintains professional and technical expertise required to do the job effectively and to create business solutions.
  • People Management: Focuses and guides staff in accomplishing objectives; rewards and recognizes staff; sets clear expectations and holds staff accountable for achieving results.

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