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AVP - Commercial Lending Officer

Job in Town of Ulster, New York, USA
Listing for: Hudson Heritage FCU
Full Time position
Listed on 2026-01-12
Job specializations:
  • Finance & Banking
    Banking & Finance, Financial Analyst, Risk Manager/Analyst, Financial Manager
Salary/Wage Range or Industry Benchmark: 130000 - 145000 USD Yearly USD 130000.00 145000.00 YEAR
Job Description & How to Apply Below
Location: Town of Ulster

Come Join our Heritage Financial Credit Union as Commercial Lending Officer

As a Commercial Lending Officer
, you'll be the driving force behind our commercial lending growth strategy. You'll develop strong client relationships aligned to our Vision, Mission and Values, and structure lending solutions that help businesses thrive. You’ll be part of a collaborative and ambitious team that values both performance and people.

We are seeking candidates with an already established book of business within our Field of Membership, which includes Orange, Ulster, and Dutchess Counties in NY and Pike County in PA.

You’ll be responsible for goal achievement aligned to the Commercial Lending Department's annual plan while complying with operating policies and procedures established for the credit analysis and approval process. Additionally, you’ll be following-up and responding to referrals and requests adhering to our SLAs and supporting our Retail Banking teams with business development efforts.

Here’s a little about us:

Heritage Financial Credit Union is a member‑owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive.

We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed. Our values are at the heart of everything we do.

We believe in:

  • Integrity: We are honest and trustworthy in all of our dealings with our members, employees, and the community.
  • Excellence: We strive to provide our members with the best possible service.
  • Teamwork: We believe that we can achieve more together than we can alone.
  • Respect: We treat each other with dignity and respect.
  • Community: We are committed to giving back to the communities we serve.

If you are looking for a challenging and rewarding career in the financial services industry with a company that is committed to its Mission, Vision and Values, we encourage you to apply and see below for more about the position. We offer a competitive salary and comprehensive employee benefits package, company 401K match and generous Paid Time Off.

Salary Range: $130,000 - $145,000 annually, based on experience

Essential Functions and Responsibilities :
  • Adhere to HFCU Vision, Mission and Values in all interactions with members, both internal and external. Provide exceptional member experience, participate in a high impact service culture, be easy to do business with and always execute with integrity throughout all aspects of the commercial loan process.
  • Develop, originate, manage and underwrite C & I loans and commercial real estate loans which meet established lending requirements and provide maximum profitability to the credit union with a minimum of risk.
  • Establish and negotiate the terms under which credit will be extended including loan pricing, structure, repayment terms and collateral requirements that are consistent with the credit union’s policies and financial goals.
  • Approve and decline loans within lending authority. Provide recommendations for loans above lending authority.
  • Manage and maintain monthly tickler reports and accurately complete monthly, quarterly and year end reporting. Work with members and department staff to ensure the timely collection of required documentation and/or financials.
  • Review, recommend, and implement commercial lending policies and procedures to support and meet Credit Union objectives. Maintain a thorough understanding of HFCU’s Commercial Lending Policies and ensure loan requests follow all compliance standards of the department.
  • Attend department and Credit Union meetings,…
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