Commercial Loan Officer II

Hope CU•New Orleans, LA

About The Position

The Commercial Loan Officer II develops, originates, underwrites, closes, and manages commercial loan relationships that support the growth and profitability of Hope Credit Union. The role builds relationships with business members, referral sources, and community partners while maintaining a high-quality commercial loan portfolio. It evaluates credit risk, structures lending solutions, monitors portfolio performance, and ensures compliance with regulatory requirements and credit union lending policies. The officer develops business through proactive outreach, networking, community involvement, and referrals; advises business members on lending and treasury management solutions; analyzes financial and collateral information; and prepares loan packages for approval. The role also manages an assigned portfolio, conducts relationship reviews and risk assessments, coordinates closings, and works with internal teams and external partners to provide member service and additional financial solutions.

Requirements

High school diploma or GED; an equivalent combination of education and experience may be considered.
A minimum of 3–5 years of commercial lending or commercial banking experience.
Demonstrated experience in commercial credit analysis, underwriting, and portfolio management.
Strong understanding of commercial loan underwriting, financial statement analysis, and cash flow analysis.
Knowledge of commercial real estate, C&I lending, and business financial structures.
Ability to identify, assess, and mitigate credit risk.
Excellent business development, negotiation, and relationship-building skills.
Strong verbal and written communication skills.
Ability to manage multiple priorities and meet deadlines.
Proficiency with commercial lending systems, financial analysis software, and Microsoft Office applications.

Nice To Haves

Bachelor's degree in Finance, Business Administration, Accounting, Economics, or a related field.

Responsibilities

Develop and maintain referral relationships with business professionals, community partners, commercial real estate professionals, and co-lending partners.
Generate commercial loan and deposit relationships through outreach, networking, community involvement, and member referrals.
Build relationships with existing business members and identify opportunities for additional products and services.
Advise business members on lending and treasury management solutions suited to their financial goals.
Meet with prospective and existing members to assess financing needs and recommend loan structures.
Analyze financial statements, tax returns, cash flow projections, collateral values, and other documentation to assess creditworthiness.
Collaborate with credit analysts and internal partners to assess loan requests, identify risks, and develop lending recommendations.
Prepare and present commercial loan packages for approval under established lending authorities and policies.
Coordinate loan closings with members, legal counsel, title companies, and other third parties.
Manage an assigned commercial loan portfolio to support asset quality, member satisfaction, and profitability.
Monitor member financial performance, loan covenant compliance, collateral sufficiency, and credit risk.
Conduct annual relationship reviews, financial analyses, and risk assessments.
Conduct periodic site visits, business inspections, and collateral reviews as required.
Identify potential problem credits and develop action plans to minimize risk and protect credit union assets.
Ensure loans are properly structured, documented, and maintained in compliance with policies, regulations, and lending guidelines.
Maintain accurate and complete loan files and supporting documentation.
Monitor portfolio performance and delinquency trends and recommend corrective actions when necessary.
Participate in loan review and audit processes and respond to findings.
Keep current on commercial lending regulations, industry trends, and credit union products and services.
Promote and refer business members to additional Hope Credit Union products and services, including treasury management, deposits, business accounts, and merchant services.
Collaborate with retail, mortgage, wealth management, and operations teams to provide member service.
Facilitate access to external technical resources, including accounting, legal, engineering, marketing, and management consultants, when appropriate.
Achieve established commercial loan production goals and maintain portfolio risk metrics.
Expand business member relationships and referral networks while supporting Hope Credit Union's strategic growth objectives and member-focused culture.