Commercial Lending Officer (Orange, Ulster, Dutchess NY & Pike County PA

Heritage Financial Credit Union • Middletown, NY

94d • $130,000 - $145,000

About The Position

Come Join our Heritage Financial Credit Union as an AVP-Commercial Lending Officer. As an AVP - Commercial Lending Officer, you'll be the driving force behind our commercial lending growth strategy. You'll develop strong client relationships aligned to our Vision, Mission and Values, and structure lending solutions that help businesses thrive. You'll be part of a collaborative and ambitious team that values both performance and people. You'll be responsible for goal achievement aligned to the Commercial Lending Department's annual plan while complying with operating policies and procedures established for the credit analysis and approval process. Additionally, you'll be following-up and responding to referrals and requests adhering to our SLAs and supporting our Retail Banking teams with business development efforts.

Requirements

• A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree.
• Knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work.
• Knowledge of Commercial/Business Lending, Consumer Lending, Commercial Underwriting, Loan Servicing and general economic conditions and competitor's rates and terms.
• 5+ years of similar or related experience working in Commercial Lending.
• Experience in Heritage Financial Credit Union's field of membership with knowledge of the market and key contacts.
• Excellent project management, communication and analytical skills.

Responsibilities

• Adhere to HFCU Vision, Mission and Values in all interactions with members, both internal and external.
• Provide exceptional member experience, participate in a high impact service culture, be easy to do business with and always execute with integrity throughout all aspects of the commercial loan process.
• Develop, originate, manage and underwrite C & I loans and commercial real estate loans which meet established lending requirements and provide maximum profitability to the credit union with a minimum of risk.
• Establish and negotiate the terms under which credit will be extended including loan pricing, structure, repayment terms and collateral requirements that are consistent with the credit union's policies and financial goals.
• Approve and decline loans within lending authority. Provide recommendations for loans above lending authority.
• Manage and maintain monthly tickler reports and accurately complete monthly, quarterly and year end reporting.
• Work with members and department staff to ensure the timely collection of required documentation and/or financials.
• Review, recommend, and implement commercial lending policies and procedures to support and meet Credit Union objectives.
• Maintain a thorough understanding of HFCU's Commercial Lending Policies and ensure loan requests follow all compliance standards of the department.
• Attend department and Credit Union meetings, present summary information and participate in discussions on the loans being considered.
• Periodically visit with Borrowers, performing site visits and to promote good member experience.
• Participate in business development events that are sources for business contacts or referrals.
• Cross sell commercial products and services.
• Perform tasks such as answering internal and external member inquiries, providing and receiving member commercial loan applications and requests, resolving problems, and providing a best-in-class member experience while adhering to work guidelines, policies, and regulations.

Benefits

• Competitive salary
• Comprehensive employee benefits package
• Company 401K match
• Generous Paid Time Off

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 101-250 employees