Branch Business Lending Officer I or II DOE

Rogue Credit Union•Medford, OR

3d•Hybrid

About The Position

Provides primary liaison and relationship support for small business members and prospective members with Member Business Loan (MBL) credit requests less than $50,000. This includes the coordination of leads and relationships developed, originated, and referred through the branch network, Call Center, and Business Services Department. The role works with Member Service Representatives (MSRs) to initiate, review, analyze, and processes small business loan submissions within the LoansPQ system for approval, processing documentation, and booking. Provides relationship management and product sales and servicing support for these members. Is responsible for training the Branch Network regarding Business Services products to provide increased sales opportunities.

Requirements

One year to three years of similar or related experience.
Two-year college degree or Completion of a specialized course of study at a business or trade school or Completion of a specialized and extensive in-house training or apprentice program.
Strong written/verbal communication skills and tact.
High productivity and organization skills including excellent follow up skills and the ability to work independently.
Good eye for detail/quality.
Sales and marketing skills.
Ability to use Buker's Tax Analysis to spread and analyze business financial data.
Excellent computer/keyboarding skills.
Underwriting skills for small business loans.
Must possess and maintain a valid driver’s license.

Nice To Haves

Work involves extensive personal contact with others and is of a personal or sensitive nature.
Motivating, influencing, and/or training others is key at this level.
Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Responsibilities

Develops and manages a delivery channel to efficiently process small business loans under $50K input by a branch MSR or a Business Services Specialist.
Responsible for managing, structuring and approving a wide variety of commercial credit loan requests for small to medium-size business through the LoansPQ system and small business loan write-ups.
Acts as coordinator for MeridianLink loan origination system with the branch delivery team on loan applications, underwriting, processing legal docs, and booking to the core system.
Fosters excellent communication between Business Services, Operations, and Branch Delivery by coordinating with the various teams and the "business MSR" network in branches and the Member Contact Center to assist with account opening and deposit operations servicing issues that arise with business memberships.
Interviews loan applicants via email, telephone and in person to gather appropriate underwriting data.
Pre-screens requests to determine alignment with lending policy.
Conducts portfolio and risk management for loans within the portfolio.
Cross sells all Credit Union products and services.
Maintains asset quality within established targets.
Increases knowledge of business products and processes throughout the Credit Union.
Coordinates and leads regular Branch Account Business Expert team roundtable sessions on small business lending processes, business entity issues, business depository product issues/ changes needed and development.
Utilizes trainers, Senior Relationship Manager and other available internal resources for this effort.
Makes outside calls to maintain business relationships to include loans and deposits and identifies referral opportunities.
Takes the lead on issues that arise related to integrating desired business processes in all regions.
Proactively performs other job-related duties as needed or assigned.