Commercial Loan Relationship Associate

Description: Job Title: Commercial Loan Relationship Associate FLSA: Exempt Function: Commercial Banking Reports To: Vice President – Commercial Banking Purpose: Primary goal is to grow, develop, and retain profitable commercial relationships and provide members with an extraordinary experience in accordance with the credit union’s core values.
The combination of local decision making, local delivery, and personalized service are a key component to building long-term relationships.
Provide members with an extraordinary experience in accordance with the credit union’s core values and service promise in support of their small business, investment real estate and/or entrepreneurial loan and deposit needs.
Responsibilities: Meet with and interview members/potential members to consider commercial service accounts including, but not limited to, loan products and deposit services Independently generate profitable credit and non-credit opportunities through cultivation of prospects, calling on referral sources, and networking with centers of influence Establish and negotiate the terms and conditions under which credit may be extended; may include costs, pricing, repayment schedule, and collateral Collaborate with internal partners to cross sell and promote the Credit Union throughout the region Represent the credit union in the community by attending various community affairs, participating in credit union designated projects to promote the credit union, and further developing new business opportunities Work with Credit Administration in the preparation and underwriting of loan requests including gathering and analyzing financial and market data Present prepared credit requests to the appropriate individual or committee as directed for approval Responsible for portfolio management of existing member business loan portfolio, including annual renewals, collection of updated financial information, and working with delinquent accounts Promote and maintain a confidential environment to protect member, employee, and credit union information Follow all credit union policies, procedures and requirements including, but not limited to, those regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, in addition to all applicable state and federal laws and regulations Create and promote a positive professional image of one’s self and the credit union Perform all other duties as assigned Requirements: Required Education and Experience: Bachelor’s degree in accounting, finance, or comparable work experience 1-3 years of commercial lending, credit analysis, and/or sales experience in the financial services industry Demonstrated involvement in the community Understanding of commercial business development techniques and credit decisioning process Required Skills, Abilities & Other: Excellent communication (verbal and written) and grammar skills Excellent critical thinking, analytical, and problem-solving skills Strong computer and application skills Ability to be bonded required Ability to be registered under the SAFE Act required Demonstrated excellence to successfully organize, prioritize, and manage multiple responsibilities Team player with a positive attitude and flexibility Professional demeanor and personal accountability Ability to travel to offsite business and community event locations