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 credit union profitability with minimal risk. Provides portfolio maintenance and loan administration in accordance with SSFCU, federal, state, and NCUA policies, and operates within the commercial lending authority established by credit policy. Develops new business and expands existing relationships by calling on potential customers, identifying banking needs, securing financial data for analysis, and proposing new business. Reviews existing account relationships for opportunities to meet additional needs with other products or services. Makes sales calls through the calling program to achieve individually established goals. Maintains knowledge of commercial loan products and services and of the industries or market areas served. 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, and guides less experienced commercial lenders. Participates in loan approval and 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 potential charge-offs 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. Completes other job-related duties that support the organization’s vision, purpose, and values.

Requirements

Bachelor’s degree in Business Administration or equivalent education and/or experience.
Ten years of experience in commercial lending, managing a commercial loan portfolio, and member/customer service, with a strong emphasis on business product knowledge.
Five years of credit analysis/underwriting experience or equivalent commercial lending experience.
Proven sales ability/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 some complex credits.
Develop and manage commercial loan accounts that meet lending requirements, maximize profitability, and minimize risk.
Maintain commercial loan portfolios and administer loans in accordance with SSFCU, federal, state, and NCUA policies and credit authority.
Develop new business and expand existing customer relationships.
Call on potential customers, identify banking needs, obtain financial data for analysis, and propose new business.
Review existing customer relationships for additional product or service opportunities and make appropriate proposals.
Make sales calls through the calling program to achieve individually established goals.
Maintain knowledge of commercial loan products and services and relevant industries or market areas.
Gather, evaluate, underwrite, and close commercial loans within established credit authority limits.
Oversee commercial loan document processing and file maintenance.
Coordinate collection activities and direct loan servicing, collection, and loan administration support staff.
Guide less experienced commercial lenders and participate in the loan approval process.
Manage loans within the loan portfolio.
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 potential charge-offs 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.
Complete other job-related duties that support the organization’s vision, purpose, and values.