Commercial Lender - Greeneville, Hamblen & Sevier Counties - Eastman Credit Union

We're Building Careers One Hire at a Time!

Do you have several years of commercial lending experience with experience in analyzing credit risk? Do you enjoy working with business owners? Have you been complimented on your professional manner and enthusiasm for customer service? If so, we want YOU to serve our members!

Work/Life Balance - 40 hours per week/Minimal overtimeyear round
Non-Commission, Competitive Pay
Benefits Include: Medical, Dental, Vision, 401(k), Paid Vacation, Annual Bonus Plan, Tuition Reimbursement, and more!
Promotional Opportunities and Career Development


Commercial Lending Representative Functions:

Promote credit union services to present and potential business/commercial members. Advise and assist business members to develop commercial and investment financial strategies. Assist in the growth of deposits and a quality member business loan (MBL) portfolio by ensuring excellent service for existing members and actively soliciting new business. Maintain accurate risk ratings, up to date financial reporting and conduct credit reviews on assigned MBL portfolio.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Promote ECU services to existing and potential business members.
• Develop ECU’s business loan portfolio. Solicit new business.
• Consult present and potential members on ECU business loans and deposit services.
• Determine appropriate product, rate, fee, and loan structure needs.
• Systematically gather, evaluate and interpret data. Spread financial statements as needed. Project cash flows and interpret financial information from present and potential business.
• Prepare and present loan Credit Memorandums. This would include making written and oral reports to loan committee(s) as required.
• Formulate and articulate loan recommendations. Must be able to interpret ambiguous and complex data using independent judgment and discretion.
• Ensure sound analysis and adherence to prudent lending practices, procedures, guidelines, policies, regulations, and laws.
• Grade loan requests appropriately in accordance with guidelines.
• Issue commitment letters in conformity with loan approval conditions and ECU lending standards.
• Oversee the loan process from application through closing. Interact with service providers to facilitate loan process.
• Responsible for ongoing serving and credit administration functions related to assigned loan portfolio.
• Maintain, monitor, and manage all assigned loans and take action on any delinquencies.
• Request continued documents such as financial statements from the business member in a timely manner.
• Consistently review portfolio to assure all loans are graded appropriately at all times to mitigate risk.
• Conduct timely annual credit reviews on assigned portfolio.
• Monitor delinquencies and charge-offs to understand and eliminate controllable contributing factors.
• Keep abreast of changes/trends in the industry as well as the national and local economy.
• Interact with employees and members to ensure service excellence.
• Make regular calls to businesses and business contacts to establish relationships and to increase awareness of services provided by ECU.
• Develop standards for operating efficiencies, identify and correct any internal control deficiencies.
• Assist in business services training for staff.
• Coordinate and assist with projects as requested.
• Maintain up-to-date knowledge of relevant regulations (including BSA, Reg CC, Reg X, Reg Z, and OFAC)
• Present and track required reports as directed by the Manager.
• Perform other duties or projects as directed by Manager.

Bachelor's degree (B. A.) and five years related experience preferred