Commercial Lender

Credit Union of Georgia • Jasper, GA

5h • Onsite

About The Position

Credit Union of Georgia is growing and seeking a talented Commercial Lender for its new branch in Jasper. This role is crucial in helping members achieve their financial goals by identifying, developing, and managing relationships with business members and prospects. The Commercial Lender will focus on growing the Credit Union’s commercial loan and deposit portfolios, overseeing credit quality, and monitoring risk. This position requires a blend of external business development and portfolio management, acting as a subject matter expert on business lending products and representing the Credit Union professionally in the community.

Requirements

• Bachelor’s degree preferred.
• Two or more years of progressive experience in commercial or business lending at a credit union or commercial bank; or equivalent combination of education and experience.
• Demonstrated track record in business development and commercial loan portfolio management.
• In-depth knowledge of commercial lending products, underwriting principles, credit analysis, and deposit services.
• Familiarity with applicable state and federal lending regulations and compliance requirements.
• Excellent communication skills with the ability to communicate effectively in writing and as a skilled, professional public speaker.
• Able to tactfully and professionally engage members, prospects, co-workers, and partner institutions.
• Strong organizational skills with the ability to manage multiple priorities, work independently, and meet deadlines in a fast-paced environment.
• Self-motivated, results-driven, and able to manage stress effectively; confident and persuasive with a professional appearance.
• Working knowledge of Microsoft Word, Excel, PowerPoint, and Outlook.
• Ability to read, analyze, and interpret financial statements, tax returns, legal documents, regulatory reports, and related materials.
• Ability to respond to inquiries and business loan or deposit-related scenarios from members, regulatory agencies, or members of the business community.
• Ability to work flexible hours, including evenings and weekends, as required for community events or member needs.
• Must possess a valid driver’s license, appropriate vehicle registration, and adequate automobile insurance.
• Ability and willingness to travel to other locations to meet business needs.

Responsibilities

• Develop new business (loans, deposits, and related services) through internal and external calling programs, establishing relationships with prospects and existing members to present products and services and close new business or cross-sell additional services.
• Evaluate and service the needs of current and prospective members seeking business loans, deposit accounts, and other credit union products, discussing loan and deposit alternatives, credit criteria, interest rates, price alternatives, and documentation requirements.
• Negotiate loan terms and conditions, review and decision loan applications, evaluate and verify creditworthiness, request additional information, and present recommendations to Loan Committee.
• Develop and execute tactics to achieve monthly loan and deposit production goals and profitability targets, taking full accountability for assigned commercial loan and deposit goals.
• Identify opportunities to refer members to other areas of the credit union (consumer lending, mortgage, treasury/cash management, retail deposit services) to deepen relationships and support growth.
• Uphold Credit Union of Georgia brand standards and the member journEASE experience (Engage, Ask, Solve, Excite) to deliver top-level member service.
• Maintain knowledge of competitors’ products, services, rates, terms, and market trends, relaying relevant intelligence to management and providing input on business lending interest rates.
• Actively participate in community events (Chamber events, business association meetings, charitable events) to build visibility, generate referrals, and advance the credit union’s presence.
• Manage the commercial loan portfolio with a focus on credit quality, risk mitigation, and early identification of emerging weaknesses, monitoring performance and taking action to protect asset quality.
• Analyze commercial loan and deposit portfolio reports, tracking and communicating performance statistics (approvals, denials, delinquencies, portfolio health indicators).
• Ensure all loan and deposit functions for business members comply with credit union policies, procedures, and applicable state and federal regulations.
• Maintain comprehensive knowledge of credit union products, services, policies, and procedures, and be prepared to explain features and benefits.
• Demonstrate teamwork through flexibility and effective cross-departmental communication.
• Remain current on all required compliance training (cybersecurity awareness, Bank Secrecy Act, etc.).
• Perform other job-related duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level