Commercial Lender - Morristown Branch

Eastman Credit Union•Morristown, TN

18h•Hybrid

About The Position

Eastman Credit Union is hiring a Commercial Lender for the Morristown Branch. This role promotes credit union services to current and potential business/commercial members, advising and assisting them in developing commercial and investment financial strategies. The Commercial Lender will 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. Responsibilities include maintaining accurate risk ratings, up-to-date financial reporting, and conducting credit reviews on the assigned MBL portfolio. This position supports the new Morristown Branch, opening in Q4 2026. Prior to the branch opening, the selected candidate will be assigned to one of the Greeneville, TN branches or the Rogersville, TN branch. Upon the official opening of the Morristown Branch, the role will transition to a full-time position at the new location. This is an opportunity to grow with the organization and play a key role in expanding the field of membership. The ideal candidate will exhibit high standards of professionalism and customer service, including excellent communication skills, leadership ability, self-awareness, and flexibility, reflecting integrity, loyalty, and dedication.

Requirements

Commercial Lender

Nice To Haves

Excellent communication skills
Leadership ability
Self-awareness
Flexibility
Integrity
Loyalty
Dedication

Responsibilities

Promote ECU services to existing and potential business members.
Develop ECU’s business loan portfolio and solicit new business, focusing on larger and more complex borrowing structures with discretion from the manager, with a minimum total credit relationship over the Business Loan Committee limit.
Consult present and potential members on ECU business loans, deposits, treasury management services, and merchant services.
Evaluate and determine opportunities for referrals to other areas of ECU such as residential mortgage lending, consumer lending, personal deposits, and asset management.
Determine appropriate product, rate, fee, and loan structure needs.
Systematically gather, evaluate, and interpret data, spreading financial statements as needed, and projecting cash flows and interpreting financial information from present and potential businesses.
Prepare and present loan Credit Memorandums, including making written and oral reports to loan committee(s) as required.
Formulate and articulate loan recommendations, interpreting 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, interacting with service providers to facilitate the loan process.
Responsible for ongoing serving and credit administration functions related to the 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 the portfolio to assure all loans are graded appropriately at all times to mitigate risk.
Conduct timely annual credit reviews on the 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 and 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).
Identify and manage risks within the department.
Present and track required reports as directed by the Manager.
Perform other duties or projects as directed by Manager.