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Commercial Lending Specialist

2 months ago


Helena, Montana, United States Clearwater Credit Union Full time
Job Overview

If you are dedicated to supporting local enterprises in their efforts to acquire, develop, or enhance their operations, Clearwater Credit Union presents a rewarding opportunity for you as a full-time Commercial Lending Specialist. This role is pivotal in fostering local underwriting and decision-making processes.

Key Responsibilities
  • Business Development: Drive initiatives aimed at expanding the lending portfolio.
  • Client Engagement: Conduct interviews with business clients to assess their requirements and gather all necessary financial documentation for informed credit evaluations.
  • Exceptional Service: Ensure outstanding service by managing client expectations through effective communication and timely loan processing.
  • Financial Acumen: Demonstrate a robust understanding of financial analysis, cash flow assessments, and collateral appraisals.
  • Loan Structuring: Structure, negotiate terms, underwrite, and finalize loan agreements.
  • Portfolio Management: Oversee a portfolio of business clients, monitoring credit quality by analyzing updated financial data and ensuring loan files are comprehensive.
  • Collections Management: Handle collections and workouts for distressed loans as required.
  • Policy Adherence: Maintain familiarity with credit and internal policies.
  • Community Involvement: Participate in local boards and volunteer for various community initiatives.
Qualifications
  • 1-3 years of experience in business lending, including experience as a credit analyst.
  • Bachelor's degree in finance, accounting, business administration, or equivalent professional experience.
  • Proficient in computer applications, particularly the Microsoft Office Suite.
  • Strong written and verbal communication skills are essential.
  • Excellent organizational, time management, and problem-solving abilities.

Compensation is commensurate with experience. Clearwater Credit Union is an equal opportunity employer and provides a comprehensive benefits package, including health insurance, paid time off, a 401(k) match, and paid volunteer time, among others.