Commercial Loan Officer - Idaho Central Credit Union

Overview

As a Commercial Loan Officer, you would promote Credit Union loan products and services to small and medium sized businesses throughout the community. Provide assistance and training to branch team members in areas related to commercial lending. Loan sizes for this position can range up to $10MM unless an existing relationship has been established and/or manager’s approval is granted.  Provide mentorship to less experienced Commercial Loan Officers and Business Loan Officers.

Responsibilities

• Take a leadership role in representing the Credit Union to the local small business market to build awareness, brand image, credibility, and new
• Actively participate in community business organizations and events.
• Be responsible for generating and servicing a wide variety of small business Contributes to deposit growth by cross selling and promoting additional credit union products.
• Requires skills and experience in applicant interviewing and perceptive character judgment, loan structuring, credit analysis, and monitoring credit performance.
• Coordinate and participate in joint calls with Business Relationship Officers, Private Client Officers, Wealth Management Officers, and other team members.
• Aggressively seeks and obtains quality new business from existing clients, prospecting calls,referrals,andcrossselling
• Build referral network of commercial realtors, CPA’s, business brokers and other business professionals.
• Refer SBA 7a, and USDA B&I loans to the SBA Loan Officer(s)
• Maintain in-depth product knowledge of all business services; provide quality referrals for business loans, merchant services, Preferred Pay and other business and personal banking products.
• Visit assigned branches monthly and cross-train team members as part of sales efforts; may conduct formal training on products and sales
• When possible, bring junior loan officers on outside sales and join them on their calls to help mentor and train.
• Assist Credit Union with collection efforts on delinquent business loans as needed.
• Other duties as assigned.

Qualifications

Bachelor’s degree or equivalent experience. Three to six years commercial banking experience. Knowledge of commercial lending and commercial credit analysis required. Ability to structure loans and monitor credit performance. Ability to work independently, under pressure and organize tasks for optimal performance. Excellent communication, relationship building and sales skills.

Performance Standard:

Must take pride in the department and the credit union, always meeting and exceeding member’s expectations. Must be professional and courteous in manner, with a focus on attendance, quality and quantity of work performed. Must be willing to comply with the Bank Secrecy Act and USA Patriot Act as implemented by Idaho Central Credit Union.

Physical Requirements:

• Perform tasks requiring manual dexterity (processing paperwork, filing, stapling, sorting, collating, typing, counting cash, etc.).
• Sit for extended periods of time.
• Lift 20-40 pounds of applicable supplies including but not limited to copy paper, cash drawers, marketing material, etc.
• Repetitive motion using wrists, hands, and fingers.
• Reach keyboards.
• Ability to operate basic office machines (calculator, computer, telephone, copy machine, fax machine, etc.).

The above statements reflect the general details considered necessary to describe the essential functions of the job and should not be construed as a detailed description of all the work requirements that may be inherent of the job.

Must be eligible for membership at Idaho Central Credit Union to obtain employment.

Idaho Central Credit Union is an Equal Opportunity Employer. Employment decisions are made without regard to race, color, religion, national or ethnic origin, sex, age, disability, protected veteran status or other characteristics protected by law.

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