Senior Commercial Lending Specialist

4 days ago


Edgewood, Maryland, United States APGFCU Full time

About Us:

APGFCU, a community credit union for over 80 years, has built stability and financial independence for its members. We're seeking an experienced commercial lending professional to join our growing organization.

Job Description:

  • Assess and monitor high-dollar loan applications and commercial loan portfolios under the general supervision of the Vice President of Business Banking.
  • Conduct detailed financial statement analyses, industry assessments, collateral valuations, cash flow analyses, and evaluate the ability to repay annual debt service.

Responsibilities:

  • Manage business banking loan files to ensure compliance with regulatory guidelines and credit union policies.
  • Determine credit risk profiles of existing and potential loan relationships based on financial analysis, scenario models, and market conditions.
  • Prepare comprehensive loan presentations, ensuring all deal aspects and risks are accurately represented and ready for approval.

Requirements:

  • Minimum three years of commercial loan underwriting experience, including in-depth knowledge of financial statement analysis, lending regulations, and structuring of commercial credit transactions.
  • Proficiency in preparing financial projections, assessing collateral reports, and conducting thorough risk assessments.

Salary:

We offer a competitive salary of $85,000 - $110,000 per year, depending on experience.

Benefits:

Our benefits package includes health insurance, retirement plan matching, paid time off, and opportunities for professional growth and development.



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