Commercial Lender

Credit Union of Georgia•Jasper, GA

14d•Onsite

About The Position

Credit Union of Georgia is seeking a talented Commercial Lender for its new branch in Jasper. This role is responsible for identifying, developing, and managing relationships with business members and prospects to grow the Credit Union’s commercial loan and deposit portfolios, as well as ancillary business products. The position combines external business development with ongoing portfolio management, including credit quality oversight, risk monitoring, and asset quality control. The Commercial Lender acts as a subject matter expert on business lending products and represents Credit Union of Georgia professionally in member-facing and community settings.

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.
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, making regular contact with prospects and existing members to establish relationships and present Credit Union of Georgia products and 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 with members and prospects; receive, review, and decision loan applications; evaluate and verify creditworthiness; request additional information as required; and present recommendations to Loan Committee as appropriate.
Develop and execute tactics to achieve monthly loan and deposit production goals and profitability targets, assuming full accountability for attaining 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 member relationships and support growth objectives.
Uphold and adhere to Credit Union of Georgia brand standards and the member journEASE experience (Engage, Ask, Solve, Excite), delivering 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 communities served by the credit union through attending Chamber events, business association meetings, and charitable/community 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; monitor portfolio performance and take appropriate action to protect asset quality.
Analyze commercial loan and deposit portfolio reports; track, manage, and communicate relevant performance statistics (approvals, denials, delinquencies, etc.).
Ensure all loan and deposit functions related to business members are performed in accordance with credit union policies, procedures, and applicable state and federal regulations; assist in maintaining ongoing compliance.
Maintain comprehensive knowledge of credit union products, services, policies, and procedures.
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.