AVP Commercial Manager/Team Leader

GESA CREDIT UNION•Spokane, WA

About The Position

Under the direction of the Vice President of Commercial Services, the AVP Commercial Manager/Team Leader is responsible for directing, managing, and coordinating the commercial loan, business deposit, and cash management functions of their respective team. The AVP will participate on the Gesa Leadership team and provide input on the strategic initiatives of the organization. They will coordinate the business development activities of their team and manage commercial loan relationships. The team leader will manage a group of lenders, small business development officers, and other staff as designated to grow a profitable commercial loan portfolio that is consistent with established policies, guidelines, and procedures. They make commercial loan and cash management exposure decisions according to the MBL Policies and underwriting guidelines. They will be responsible for controlling commercial loan delinquencies and charge offs and assist in portfolio management to ensure safety and soundness. Ensures the enhancement of commercial loan relationships by cross-selling business deposits and cash management products and services. Projects professional image, exercises independent judgment, and maintains confidentiality with all customer and sensitive data.

Requirements

Eight to ten years’ similar or related experience.
Minimum three years managerial/supervisory position within a financial organization desired, preferred.
Bachelor’s degree or equivalent combination of specialized courses in business related training or experience.
Experience underwriting commercial loans including commercial real estate loans, agriculture, commercial and industry, and SBA; five years desired.
Professional sales ability required; experience relating to commercial loan products desired.
Experience analyzing local and national economic data to assist setting marketing and pricing strategies.
Familiarity with SBA loan programs and underwriting requirements.
Proficient with standard office equipment, Excel, MS Word, Outlook, computer software, lending software, and department specific programs.
Maintain a professional image and must maintain confidentiality of sensitive information.
Ability to multi-task on numerous projects simultaneously.
Ability to effectively and successfully communicate, both orally and in writing.
Ability to make quality decisions in a timely manner with extreme attention to detail.
Ability to perform required work under limited supervision.
Ability to supervise, train and motivate staff.
Ability to formulate, implement and administer policies and procedures relating to Member Business Loans.

Responsibilities

Maintain a highly qualified staff, sufficient to meet the daily demands of the Credit Union’s members.
Interview, select, train, evaluate, supervise, schedule, coach and develop team members as needed to provide responsive and professional service to our membership. Note observations of employee performance into appropriate reporting tools, as well as give to and receive feedback from employee on quarterly basis.
Complete performance reviews within the prescribed time frame.
Ensure the team remains in compliance with all state and federal laws and credit Union policies and procedures.
Ensure that the team is providing friendly, professional, personal service to all members.
Assist the Vice President in managing the Commercial Lending Department operations and administer the credit union lending policies and procedures.
Prepare credit requests for submission to Loan Committee and approved credit submissions when appropriate.
Identify and monitor all MBL loans and provide senior management with regular detailed reports.
Establish production goals and provide productions reports to management.
Attend credit union training, conferences and seminars, or professional organization events for continued professional growth.
Maintain awareness of laws, rules, regulations, and policies and procedures which impact position duties and responsibilities.
Maintain thorough and up-to-date knowledge of the MBLs and other investor requirements; recommend changes as necessary to the credit union policy manual.
Provide recommendations to management of changes to products, loan policies, and procedures by following lending laws and regulations.
Oversee financial transactions, such as draws, advances, disbursements made by Commercial Loan Servicing.
Responsible for the business development of commercial loan relationships.
Maintain written, telephone and personal contacts.
Develop and maintain up-to-date knowledge of the credit union lending policies and market areas.
Maintain historical pricing information, including all indices.
Provide basic financial counseling when needed or requested by members.
Participate in community activities and business development including, but not limited to, Chamber of Commerce, Board of Realtors and Homebuilders (activities that are industry related.)
Maintain effective communication with all credit union employees to ensure coordination and exchange of information for accomplishing Credit Union goals.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.
Display leadership values such as mutual respect, trust and dignity, and act in the best interest of the credit union. Lead by example by displaying solid ethics and integrity at all times
Control risk and operate in a safe and sound manner.
Contribute to effective department and credit union operations by performing, special projects and other related duties as assigned.
Provide recommendations and process improvements regarding commercial loan activity and processes.