Description

　　The Commercial Lender is responsible for originating and growing commercial loans and commercial deposits. Ensures ongoing soundness and complete conformity with credit terms. The Commercial Lender is expected to retain and manage commercial transactions and portfolio relationships with the highest level of professionalism and maintain strong working relationships with the credit team, business members and other internal and external partners. Must be able to successfully interact with commercial senior leadership, business members and prospects on a professional level.

　　Primary Responsibilities:

　　Responsible for assigned commercial portfolio and origination of new commercial loans through multiple sources internal and external; negotiate workout scenarios.

　　Develops new business by contacting prospects and business members, promoting credit union products and services.

　　Review credit proposals for approval and exercise credit authority within delegated lending limits.

　　Ensure overall soundness of assigned loan portfolio.

　　Build rapport with internal and external centers of influence.

　　Decision commercial ACH/RDC/business MC limits, exception wires, LOC advances, overdrafts, and payoff letters within assigned limits.

　　Monitor commercial overdrafts, portfolio delinquencies and collection efforts.

　　Ensure collection of financial information used to determine borrower’s creditworthiness.

　　Stay abreast of changes to policies, procedures, NCUA, SBA, Federal, and State regulations as they pertain to the Credit Union industry and area of responsibility.

　　Maintains the highest level of product and service knowledge including all benefits and features as well as all operational/systems issues related to offering, selling, and booking or engaging in transactions for such products and services.

　　Creates and delivers presentations to prospects, business members, employees, and senior management.

　　Requirements:

　　Bachelor’s degree from a four-year college or university in Business Administration or related field of study; Minimum of three years of work-related experience; or the equivalent combination of the experience and education. Work related experience must include Commercial Lending portfolio management.

　　Experience with Commercial Lending and Commercial Cash Management regulations and compliance.

　　High level of local market knowledge (Southeast Michigan).

　　Understanding of commercial lending laws and regulations.

　　Excellent organizational and time management skills.

　　Passion and commitment to great member service and ability to lead by example by consistently delivering the service process to every member, employee, vendor and members of the community serviced by Credit Union ONE.

　　Strong communication skills

　　This is a remote position with the option of working out of the Ferndale office (headquarters). Excellent benefit package including incentives.

　　Qualifications

　　Behaviors

　　Required

　　Functional Expert: Considered a thought leader on a subject

　　Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well

　　Enthusiastic: Shows intense and eager enjoyment and interest

　　Motivations

　　Required

　　Ability to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organization

　　Self-Starter: Inspired to perform without outside help

　　Goal Completion: Inspired to perform well by the completion of tasks

　　Education

　　Required

　　High School / GED or betterExperience

　　Required

　　3-5 years: Commercial loan structuring

　　3-5 years: Evaluating business financial documents

　　3-5 years: Commercial lending laws and regulations