Commercial Lender

Overview

Champions First Credit Union is an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.

Description

THE CHAMPION’S CHOICE

Looking for a place where you can grow your career and actually enjoy the journey? You've found it. We're a fast-growing, community-focused, award-winning $500 million credit union with big goals and the right people to achieve them. Backed by a forward-thinking leadership team and a supportive Board, we are creating more opportunities than ever for our employees to learn, grow, and advance.

We stay true to our roots with strong connections to Florida State University. We also have a deep commitment to giving back to the communities we serve by contributing to various local charities and participating in special community events. What makes this the perfect place for you? A friendly, purpose-driven culture, real opportunities to grow, and a robust benefits package that supports you both at work and at home.

Manages and develops business loan accounts, which meet the established lending requirements while maximizing profitability and minimizing risk to the Credit Union. Contributes to the growth and profitability of the Credit Union through business loans.

• Possesses knowledge of features and benefits of all Credit Union products and services to efficiently promote the Credit Union to existing and potential members.
• Services existing business loan accounts and expands existing relationships through cross-sells and referrals.
• Assists in the implementation of new products or programs to help provide better service to members and stimulate new growth.
• Drives commercial demand deposit growth through product development and building relationships with target businesses.
• Interview loan applicants, analyze financial information and make appropriate loan decisions; decisions must be based primarily on opinions derived from facts and projections based upon the best available information; must abide by specified lending authority as dictated by the loan policy and procedures manual.
• Presents loan requests above lending authority to loan review committee for approval.
• Manages a loan portfolio as it pertains to business loans under his or her responsibility; services loan portfolio in a manner consistent with sound credit union practices, while maintaining profitability.
• Supervises and coaches loan administration staff member(s) to adequately service direct and participation commercial loans.
• Makes business development calls on existing members and prospective members.
• Maintains an active role in community affairs to improve the Credit Union’s visibility in the area.
• Implements plans to reduce total past due loans and non-earning assets to a level determined by senior management; monitors past due loans and contacts customers when appropriate.
• Assures delivery of quality member service in the branch through personal leadership and adherence to the Credit Union’s quality standards.
• Serves as the primary liaison in commercial lending for third-party underwriting vendor and auditors.
• Assists all branches with existing and potential business loan members.
• Occasionally assists consumer loan members with their initial loan requests.
• Authorizes official checks, expense checks, money orders, charge-offs, overdrafts etc., as outlined in procedures manual.
• NOTE:
  
  The list of essential functions is not exhaustive. It may be supplemented as necessary from time to time.

• Bachelor’s Degree in business, finance or related field or equivalent experience preferred; or an equivalent combination of work experience and education.
• Three years’ previous commercial lending experience preferred
• Proven record of managing relationships and developing new business preferred
• Knowledge of lending policies, procedures, and regulations.
• Strong financial analysis abilities,…