Commercial Loan Officer II

Hope Enterprise Corporation•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 position develops new lending and deposit relationships, advises business members on lending and treasury management solutions, analyzes financial and collateral information, prepares loan packages for approval, and coordinates loan closings. It manages an assigned portfolio through financial reviews, covenant and collateral monitoring, site visits, and proactive handling of potential problem credits. The officer also promotes additional credit union products and collaborates with internal teams and external technical resources to provide member service. HOPE provides financial services, leverages resources, and engages in advocacy to strengthen the financial health of people in under-resourced Deep South communities. The position is full-time and exempt. Hope Enterprise Corporation does not provide visa sponsorship; applicants must be legally authorized to work in the United States at application and throughout employment.

Requirements

High school diploma or GED; an equivalent combination of education and experience may be considered.
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.
Must be legally authorized to work in the United States at the time of application and throughout employment; visa sponsorship is not available.

Nice To Haves

Bachelor’s degree in Finance, Business Administration, Accounting, Economics, or a related field.
Organizational awareness, including understanding internal systems, procedures, culture, and the effects of decisions across the organization.
Results orientation, persistence, and tenacity in achieving concrete results and overcoming obstacles.
Planning and organizing skills, including setting priorities and defining actions, time, and resources to achieve goals.
Problem-solving ability across issues of varying complexity, including finding effective solutions with few guidelines.
Initiative in recognizing opportunities and anticipating and acting on threats.
Achievement orientation and perseverance in pursuing tangible results.

Responsibilities

Develop and maintain referral networks with business professionals, community partners, commercial real estate professionals, and co-lending partners.
Generate commercial loan and deposit relationships through calling, networking, community involvement, and member referrals.
Strengthen existing business-member relationships and identify opportunities for additional products and services.
Advise business members on their financial goals and appropriate lending and treasury management solutions.
Meet with prospective and existing members to identify 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 evaluate 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 maintain asset quality, member satisfaction, and profitability.
Monitor member financial performance, covenant compliance, collateral sufficiency, and credit risk.
Conduct annual relationship reviews, financial analyses, and risk assessments.
Perform 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 internal policies, regulatory requirements, and lending guidelines.
Maintain complete and accurate loan files and supporting documentation.
Monitor portfolio performance and delinquency trends and recommend corrective actions when needed.
Participate in loan review and audit processes and respond to findings as appropriate.
Stay current on commercial lending regulations, industry trends, and credit union products and services.
Promote and refer business members to additional products and services, including treasury management, deposits, business accounts, merchant services, and other financial solutions.
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.
Achieve commercial loan production goals, maintain acceptable portfolio risk metrics, expand member relationships and referral networks, and support the credit union’s strategic growth objectives.