Vice President, Commercial Lender

Interra Brand•Goshen, IN

9d•Onsite

About The Position

As a Vice President, Commercial Lender, you will be responsible for managing and monitoring a loan portfolio in the range of $50M - $75M to ensure proper risk ratings and early identification of potential problems, as well as focusing on developing new and enhancing relationships with potential and existing members. Your role will involve growing the average products per household, member business loans, and new share growth. You will support the Credit Union's culture through ongoing member contact, quality member services, and superior product knowledge. Additionally, you will participate in prospecting activities and campaigns to grow loan balances and business deposits while promoting treasury management services for member businesses throughout the Credit Union. This role has no direct reports.

Requirements

7+ years' commercial lending experience in the finance industry.
Bachelor's degree in Business Management, Business Administration, or related field.
Valid driver's license.
Ability to work in a team environment with the ability to interact in a positive manner with peers, management, and other departments.
Professional level of verbal and written communication skills.
Ability to deal with complex problems involving multiple facets, variables, and situations.
Ability to provide world class member service while executing Interra’s vision, mission, and delivery of Core Values.
Must be capable of regular, reliable, and timely attendance.

Nice To Haves

Demonstrated knowledge of Credit Union regulations, products, policies, procedures, and services.
Ability to establish oneself as a people and sales and service leader in the branch.
Strong organizational skills and ability to multi-task.
Advanced proficiency in Microsoft Office (Outlook, Word, Excel, PowerPoint).
Advanced analytical and project management skills for a variety of tasks or projects.
Ability to motivate or influence internal staff and external members.
Demonstrated ability to plan and prioritize work to meet commitments by breaking down objectives into appropriate actions and anticipating and adjusting plans as needed.
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
Must be able to read and carry out various written instructions and follow oral instructions.
Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics.
Must be able to speak clearly and deliver information in a logical and understandable sequence.
Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of member service and discretion when dealing with the public.
Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.
Must be able to effectively handle multiple, simultaneous, and changing priorities.
Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Responsibilities

Oversight and growth of a commercial lending portfolio, meeting specified business loan and deposit production expectations.
Portfolio management including delinquency, covenant tracking, and credit risk ratings monitoring to ensure adherence to policy and procedural guidelines.
Cultivating and meeting with prospective and current members to gather information on business needs, income, collateral, and financial condition.
Utilizing delegated lending authority to approve and originate business loans within limits or submitting to Executive/Board Loan Committees.
Collaborating with Lender Support Specialists, Credit Analysts, and Commercial Operations staff on loan presentations, underwriting validation, credit report reviews, and appraisals.
Serving as a mentor and advisor to other business lenders.
New business development and securing relationships with centers of influence in commercial real estate and C&I lending through community involvement, networking, and non-profit boards.
Overseeing the cultivation of new leads and strengthening existing relationships.
Following up on referrals, identifying new relationship and cross-sell opportunities, and educating members on credit union products and services.
Initiating, creating, and delivering commercial lending and deposit presentations.
Following up with members post-closing to assess needs and answer questions.
Maintaining and strengthening relationships with the existing member base and building new ones.
Meeting specified annual cross-sales expectations and requirements.
Interviewing member loan applicants to identify needs, collect information, and evaluate financial condition.
Explaining loan programs and recommending options.
Ensuring accurate borrower documentation and overseeing the processing and closing of commercial business loans.
Initiating required adverse action letters when applicable.
Completing required annual training and engaging in continuous personal learning and development.
Complying with all company policies, procedures, applicable laws, and regulations, including the Credit Union Secrecy Act, the USA PATRIOT Act, and the Office of Foreign Assets Control.