VP, Commercial Banking

Georgia's Own Credit Union

2d•Hybrid

About The Position

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today. This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office. The Market Executive for any Commercial Lending Group region is responsible for setting and executing new business development plans for their respective region. They will coordinate with the SVP, Commercial Lending to increase the Credit union's revenue and meet organization revenue goals by attracting new members in the business community. The role will originate loans individually as well as coach and develop lenders on their team to promote assorted credit and depository products and services. Engage in and actively pursue leadership positions in community related activities to increase the Credit Union's market share and visibility. Successfully complete periodic compliance training deemed necessary by the Credit Union and comply with all applicable laws and Credit Union regulations. Job Description ESSENTIAL DUTIES AND RESPONSIBILITIES: Analyze market conditions and strategically improve the Credit Union's market position for financial growth. Implement the business unit’s development strategy to identify new business opportunities. Research the competition and generate potential leads. Build relationships and negotiate and close loan opportunities. Manage production pipeline for self and team and meet established sales goals of the business unit. Perform initial financial analysis to screen for viable new credit opportunities. Partner with internal underwriting staff to ensure thorough analysis of credit risks and present loan requests for committee approval. Keep abreast of local and national economic, financial, political and legislative events and climates which could have an impact on lending activities. Promote a favorable image of the financial institution in all business activities within the community. Assist in product and service development to ensure customer satisfaction and financial institution profitability; recommend upgrades, elimination or future development of under-performing products and services, and development or introduce new products and services when necessary. Review and approve all loan funding within their individual and team portfolio. Monitor payment practices to protect credit union from bad debts; has responsibility for collections within their region. Support business unit by making physical inspections of loan collateral and determining eligibility for loan advances.

Requirements

College degree in finance, business or related field.
Possess preferably 15 years of banking experience with a minimum of eight years sales or sales and management experience
Leadership skills and ability to lead and develop a strong team
Ability to read, analyze, and interpret general business periodicals, financial statements, loan documents, professional journals, and technical procedures.
Ability to effectively present information and respond to questions from groups of directors, managers and lending officers.
Proven experience in community engagement and leadership.
Excellent communication skills - verbal and written.
Excellent sales and public relations skills.
Ability to recognize opportunities and negotiate effectively.
Interpersonal skills to represent the Credit Union in a positive manner when dealing with clients and other employees.
Willingness to travel to client and/or prospect locations.
To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily.
All employees must be able to communicate face to face or through technology with or without reasonable accommodation.
Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table.
Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs.
Clerical office duties on various forms of technology are required.
All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT.
This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current.
The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

Responsibilities

Analyze market conditions and strategically improve the Credit Union's market position for financial growth.
Implement the business unit’s development strategy to identify new business opportunities.
Research the competition and generate potential leads.
Build relationships and negotiate and close loan opportunities.
Manage production pipeline for self and team and meet established sales goals of the business unit.
Perform initial financial analysis to screen for viable new credit opportunities.
Partner with internal underwriting staff to ensure thorough analysis of credit risks and present loan requests for committee approval.
Keep abreast of local and national economic, financial, political and legislative events and climates which could have an impact on lending activities.
Promote a favorable image of the financial institution in all business activities within the community.
Assist in product and service development to ensure customer satisfaction and financial institution profitability; recommend upgrades, elimination or future development of under-performing products and services, and development or introduce new products and services when necessary.
Review and approve all loan funding within their individual and team portfolio.
Monitor payment practices to protect credit union from bad debts; has responsibility for collections within their region.
Support business unit by making physical inspections of loan collateral and determining eligibility for loan advances.