Sr Commercial Loan Officer

Security Service Federal Credit Union•San Antonio, TX

About The Position

Makes and services a variety of commercial loans, including conventional, SBA, construction, and C&I loans, including some complex credits. Develops and manages commercial loan accounts that meet established lending requirements and maximize profitability for the credit union while minimizing risk. Provides portfolio maintenance and loan administration in accordance with SSFCU, Federal, State, and NCUA policies, and operates within commercial lending authority established by credit policy. Develops new business and expands existing relationships. Maintains knowledge of commercial loan products and services and of the industries or market areas served. Calls on potential customers, identifies banking needs, secures financial data for analysis, and proposes new business. Reviews existing account relationships for opportunities to meet additional needs with other products or services and makes proposals as appropriate. Makes sales calls through the calling program to achieve individually established goals. Gathers, evaluates, underwrites, and closes commercial loans within established credit authority limits; oversees commercial loan document processing and file maintenance; coordinates collection activities; provides direction to loan servicing, collection, and loan administration support staff; guides less experienced commercial lenders; and participates in the loan approval process. Manages loans within the portfolio, prepares letters related to collateral documentation, financial statements, and other lending activities, and releases liens such as titles, mortgages, and paid notes. Identifies and evaluates deteriorating loan situations to recognize charge-off loans early and manage credit to minimize losses. Handles follow-up, collections, and delinquent or problem loans as requested. Works with internal and external auditors and corporate credit review staff to ensure compliance with policies, procedures, and Federal, State, and NCUA regulations. Performs other job-related duties needed to support the organization’s vision, purpose, and values.

Requirements

Bachelor’s degree in Business Administration, or equivalent education and/or experience.
Ten years of commercial lending, commercial loan portfolio management, and member/customer service experience, with a strong emphasis on business product knowledge.
Five years of credit analysis/underwriting experience or equivalent commercial lending experience.
Proven sales ability or aptitude and business development track record.
Strong verbal and written communication skills.
Ability to meet deadlines and maintain attention to detail.
High level of analytical skills.
Ability to perform in a high-volume environment.
Strong sales skills and ability to negotiate.

Responsibilities

Make and service a variety of commercial loans, including conventional, SBA, construction, and C&I loans, including complex credits.
Develop and manage commercial loan accounts that meet lending requirements, maximize credit union profitability, and minimize risk.
Maintain commercial loan portfolios and administer loans in accordance with SSFCU, Federal, State, and NCUA policies and procedures.
Operate within commercial lending authority established by credit policy.
Develop new business and expand existing customer relationships.
Maintain knowledge of commercial loan products and services and the industries or market areas served.
Call on potential customers, identify banking needs, obtain financial data for analysis, and propose new business.
Review existing customer relationships for opportunities to offer additional products or services and make proposals as appropriate.
Make sales calls through the calling program to achieve individually established goals.
Gather, evaluate, underwrite, and close commercial loans within established credit authority limits.
Oversee commercial loan document processing and file maintenance.
Coordinate collection activities and provide direction to loan servicing, collection, and loan administration support staff.
Guide less experienced commercial lenders and participate in the loan approval process.
Manage loans within the portfolio and prepare letters related to collateral documentation, financial statements, and other lending activities.
Release liens, including titles, mortgages, and paid notes.
Identify and evaluate deteriorating loan situations, recognize charge-off loans early, and manage credit to minimize losses.
Handle follow-up, collections, and delinquent or problem loans as requested.
Work with internal and external auditors and corporate credit review staff to ensure compliance with policies, procedures, and applicable regulations.
Perform other job-related duties in support of the organization’s vision, purpose, and values.