Commercial Loan Officer II

GESA CREDIT UNION•Chehalis, WA

3d•Onsite

About The Position

The Commercial Loan Officer II is responsible for originating a profitable portfolio of commercial loans, with the overall objective of maintaining and growing its asset quality, and to develop new and existing business relationships. Gesa Credit Union believes in the power of its people, valuing the unique stories and experiences of its team members. The company fosters a collaborative environment focused on serving others, doing good, and empowering communities, offering opportunities for challenging work, career growth, and prioritizing employee well-being and prosperity.

Requirements

Equivalent to a four (4) year college degree or completion of a specialized course of study at a business, trade school, or equivalent experience.
Five (5) to eight (8) years of commercial lending experience or related experience analyzing business financial statements and assessing the financial position of a viable business entity.
Must possess excellent communication and public relations skills.
Proficiency with standard office equipment, MS Office and Outlook software, financial analysis software, and other commercial lending platforms.
A valid Driver’s License is required.

Nice To Haves

Some travel may be required to fulfill duties, career development, and/or responsibilities.

Responsibilities

Meet assigned sales goals and objectives.
Participate in business development activities that promote the increase of business loans and deposits for the Credit Union.
Call on member businesses to expand existing relationships, creating member loyalty to the Credit Union.
Accurately process business loan applications in a timely manner.
Complete annual credit reviews of member business loans to assess the overall financial condition and member’s ability to re-pay the loan.
Make credit approval recommendations to the appropriate approval authority that promotes safe and sound credit underwriting and prudent lending practices.
Provide guidance to the commercial loan processor in the completion of all loan documents and business loan closings.
Assist in collecting past due loans, maintain a 30-day delinquency rate of .50% of less and a charge-off rate of no more than .50% of your loan portfolio.
Understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
Attend credit union training sessions, conferences, or seminars as approved by supervisor.
Maintain awareness of policies and regulations related to duties and responsibilities.
Monitor existing loan portfolio to ensure credit quality and regulatory compliance.
Maintain up-to-date credit files including current financial information deemed necessary and in accordance with the business loan agreement.
Assist members with any business loan-related questions and concerns.
Maintain an understanding of the Credit Union Policies and member business lending operating procedures and guidelines.
Demonstrate support of corporate values, mission, and vision.
Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.
Consistently display respect for all areas of diversity and levels of knowledge.
Display mutual respect, trust and dignity, acting in the best interest of the Credit Union.
Lead by example by displaying solid ethics and integrity at all times.