Senior Commercial Lending Officer

2 weeks ago


Huntsville, Alabama, United States Direct Federal Credit Union Full time
Commercial Loan Underwriting Specialist

In charge of overseeing the Commercial Mortgage Portfolio, this role entails providing specialized knowledge in evaluating new loan applications, modifications, renewals, and workouts. Engages in consultations and negotiates lending solutions with members. Evaluates lending risks through comprehensive credit assessments and ensures adherence to lending policies. Makes informed credit decisions and presents proposals to committees for endorsement. Maintains ongoing communication with members and adheres to loan protocols.

Key Responsibilities
  • Oversee loan processing to ensure timely execution
  • Utilize lending authority to assess, review, and sanction commercial loans
  • Evaluate the financial health and risk profiles of businesses
  • Investigate and suggest strategies for underwriting and managing loans
  • Reduce risk exposure on commercial construction financing
  • Present commercial loan proposals to the Board of Directors for endorsement
  • Conduct thorough pre and post-closing audits for precision
  • Monitor the commercial portfolio for any delinquencies
  • Facilitate staff training on lending policies and regulatory compliance
  • Research and propose innovative products and services
  • Build relationships with external vendors
  • Engage in community initiatives to enhance Credit Union visibility
Required Skills and Experience
  • Exceptional customer service and analytical problem-solving skills
  • In-depth knowledge of Credit Union offerings, services, and compliance standards
  • Strong communication and decision-making capabilities
  • Proficient in prioritizing tasks and managing time effectively
Physical Requirements
  • Occasional standing, sitting, walking, and lifting up to 25 pounds
Work Setting
  • Standard office environment
Direct Federal Credit Union is an equal opportunity employer dedicated to fostering diversity and inclusion. All qualified applicants will be considered without regard to race, color, religion, gender, or disability status. We are committed to maintaining a drug-free and tobacco-free workplace.
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