Vice President, Commercial Lender

Interra Credit Union•Goshen, IN

1d•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. You will grow 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. 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.

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.

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).
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.
Advanced analytical and project management skills for a variety of tasks or projects.
Ability to motivate or influence internal staff and external members.
Ability to deal with complex problems involving multiple facets, variables, and situations.
Demonstrated ability to plan and prioritize work to meet commitments by breaking down objectives into appropriate actions and anticipating and adjusting plans as needed.
Ability to provide world class member service while executing Interra’s vision, mission, and delivery of Core Values.
A significant level of trust, credibility and diplomacy is required.
Communications may involve motivating, influencing, educating and/or advising others on matters of significance.
Drive Results - Consistently accomplishes goals even under adverse conditions. Has a strong bottom-line orientation. Pushes self and helps others achieve results.
Effective Communication - Utilizes a variety of communication modalities effectively and appropriately across multiple channels. Is effective in a variety of communication settings: one-on-one, small and large groups, or among diverse styles and position levels. Adjusts to fit the message to the audience. Provides timely and helpful information to others across the organization.
Functional Expertise - Possesses a sufficient level of technical and professional skill or knowledge in position-related areas; keeps up with current developments and trends in areas of expertise; actively seeks ways to grow and be challenged using both formal and informal development activities.
Learning Agility - Actively and continuously learning, including new ways of thinking, knowledge, skills, and capabilities. Learns from what was done before and uses success and failure as input for development/improvement and tackling new business challenges.
Networking - Builds and maintains a variety of formal and informal business relationships. Draws upon multiple relationships to exchange ideas, resources and best practices.
Systems Perspective - Takes a broad view that recognizes factors that influence and/or are influenced by multiple inputs, systems, processes, feedback loops, and functions. Connects actions to consequences inside and outside of role and department. Sees and considers interconnectedness of systems, tools, concepts, behaviors, roles, departments, and functions at Interra.
Able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.
Must be capable of climbing / descending stairs in an emergency situation.
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
Must be able to work extended hours or travel off site whenever required or requested by management.
Must be capable of regular, reliable, and timely attendance.
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 loans and deposit production expectations.
Portfolio management including delinquency, covenant tracking, and credit risk ratings monitoring to ensure adherence to policy and procedures.
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 loan officer limits or submitting loans to the Executive Loan Committee and Board Loan Committee when exceeding limits.
Collaborating with Lender Support Specialists, Credit Analysts, and Commercial Operations staff on loan presentations, including validation of underwriting, 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 maintaining/strengthening existing relationships.
Following up on referrals, identifying new relationship opportunities, and cross-selling opportunities to educate members and non-members on credit union products and services.
Initiating, creating, and delivering commercial lending and deposit presentations.
Following up with members after closing to assess needs or 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 commercial business loan needs, collect information, and evaluate income and financial condition.
Explaining loan programs and recommending options.
Ensuring accurate documentation and overseeing the processing and closing of all commercial business loans.
Initiating required adverse action letters when applicable.
Completing required annual training courses.
Continuous engagement with personal learning and development.
Other duties as assigned.
Complying with all company policies and procedures, applicable laws, and regulations, including the Credit Union Secrecy Act, the USA PATRIOT Act, and the Office of Foreign Assets Control.