Job Summary: 

• Evaluate client/applicant’s credit to determine appropriate lending decision based on company risk-tolerance levels.
• Evaluating collateral by performing site visits.
• Develop a strong knowledge of Bank’s products and identify opportunities to recommend other products or services to customers.
• Assist in developing and executing sales strategies to either maintain or gain clients for increased commercial lending revenue and deposit growth.
• Fostering relationships with key members of the community and building a network while continuing to service the needs of existing customers.
• Develop, manage, and maintain a credit portfolio.
• Understanding of internal bank policies and a strong understanding of banking regulations.
• Recognize and report deterioration in the credit quality of a loan or borrowing relationship
• Assist in recommending and administering workout programs for problem loans.
• Maintaining product knowledge to generate credit, deposit, and fee business.

Skills on Resume: 

• Credit Evaluation (Hard Skills)
• Collateral Evaluation (Hard Skills)
• Product Knowledge (Hard Skills)
• Sales Strategy Development (Soft Skills)
• Relationship Building (Soft Skills)
• Portfolio Management (Hard Skills)
• Regulatory Knowledge (Hard Skills)
• Problem Loan Management (Hard Skills)

Job Summary: 

• Provide leadership to 3 existing commercial lenders
• Identify, meet, and develop prospects to generate new business relationships and secure loans
• Gather and analyze all information necessary to present a financing request for approval
• Meet with existing or potential customers, negotiate loan terms and conditions
• Adhere to bank credit quality and loan standards to ensure high quality of loans
• Provide exceptional level of customer service needed to maintain and grow client relationships
• Collect or arrange for the collection of delinquent loans and overdrafts
• Develop and implement action plans for deteriorating loans to either improve the loan quality or exit the relationship
• Maintain compliance/regulatory ratings of satisfactory or better
• Follow all credit union policies, procedures and requirements including, but not limited to, those regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, in addition to all applicable state and federal laws and regulations
• Create and promote a positive professional image of one’s self and the credit union

Skills on Resume: 

• Team Leadership (Soft Skills)
• Business Development (Soft Skills)
• Financial Analysis (Hard Skills)
• Negotiation (Soft Skills)
• Credit Quality Management (Hard Skills)
• Customer Service (Soft Skills)
• Debt Collection (Hard Skills)
• Regulatory Compliance (Hard Skills)

Job Summary: 

• Meet with and interview members/potential members to consider commercial service accounts including, but not limited to, loan products and deposit services
• Independently generate profitable credit and non-credit opportunities through cultivation of prospects, calling on referral sources, and networking with center of influence
• Establish and negotiate the term and conditions under which credit may be extended, this may include costs, pricing, repayment schedule, and collateral
• Drive relationship management by identifying cross-sell opportunities and introducing product partners to help provide a full banking proposition
• Participate in joint calling and prospecting with product partners
• Conduct thorough effective pre-call planning and prompt post call follow up
• Work with credit administration in the preparation and underwriting of loan requests including gathering and analyzing financial and market data
• Present prepared credit requests to the appropriate individual or committee as directed for approval
• Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to determine that any credit exposure is at an acceptable risk, and priced accordingly
• Promote and maintain a confidential environment to protect member, employee, and credit union information
• Exemplify the Credit Union’s vision, core values, and service promise

Skills on Resume: 

• Client Interviewing (Hard Skills)
• Opportunity Generation (Hard Skills)
• Credit Negotiation (Hard Skills)
• Relationship Management (Soft Skills)
• Collaborative Prospecting (Soft Skills)
• Pre-call Planning and Follow-up (Soft Skills)
• Credit Underwriting (Hard Skills)
• Risk Monitoring (Hard Skills)

Job Summary: 

• Maintaining a current knowledge and compliance with Bank Secrecy Act (BSA) requirements.
• Servicing the credit needs of customer and prospecting requiring plant visits
• Obtaining financial and other information, performing or coordinating credit analysis, making loan presentation and recommending approval to Bank Loan Committee 
• Negotiating terms and conditions such as rates, collateral, guarantees, loan agreements, and other documentation.
• Applying ongoing administration and review of the credit until ultimate collection, including ongoing monitoring and grading of credit.
• Detecting potential problems and applying techniques of problem loan administration.
• Regardless of the need for committee approval, the loan officer is fully responsible for the loan.
• Responsible for daily management of a commercial loan portfolio, including, but not limited to, credit quality, compliance with the bank’s policies and procedures, applicable laws and regulations, and management of past due loan status. 
• The overall portfolio may include consumer credits as well.
• In conjunction with Community Bank Presidents, may provide oversight and guidance to both commercial and consumer banking officers.

Skills on Resume:

• Compliance Knowledge (Hard Skills)
• Credit Servicing (Hard Skills)
• Credit Analysis (Hard Skills)
• Negotiation (Soft Skills)
• Loan Administration (Hard Skills)
• Problem Loan Management (Hard Skills)
• Portfolio Management (Hard Skills)
• Leadership and Oversight (Soft Skills)

Job Summary: 

• Interview prospective commercial loan applicants and obtain all required information and documents to assess the loan request.
• Thoroughly analyze and understand borrower financial statements to assess the borrower's ability to repay the proposed loan.
• Prepare comprehensive credit memorandums that adequately address all issues associated with the loan request and present same in a clear and concise manner. 
• Approve loans within specified lending limits and present loan requests that exceed those limits to the appropriate committee or Board of Directors for approval.
• Actively engage in business development activities and solicit new business to increase the Bank's loan portfolio.
• Represent the Bank by being actively involved in community activities that provide support to local service clubs and non-profit organizations.
• Under close supervision, proactively manage a loan portfolio of up to $40MM.
• Diligently monitor assigned loan portfolio to quickly and accurately identify problem loans and minimize losses to the Bank.
• Ensure timely and accurate application of documents and ensure compliance with banking laws and regulations
• Manage inside and outside business development activities, promoting the Bank’s full suite of innovative products

Skills on Resume: 

• Loan Interviewing (Hard Skills)
• Financial Analysis (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Loan Approval (Hard Skills)
• Business Development (Soft Skills)
• Community Engagement (Soft Skills)
• Portfolio Management (Hard Skills)
• Regulatory Compliance (Hard Skills)

Job Summary: 

• Provide updates to the Commercial Lending Manager on progress of current commercial loan files.
• Follow up on inquiries from applicants and branch personnel.
• Establish relationships to expand lending opportunities.
• Produce and manage a portfolio within the range of Greater than 50 million, including loan servicing.
• Monitor collateral and credit exceptions.
• Monitor and handle delinquency and collection issues and watch lists.
• Assist in the origination of new deposit accounts and Treasury Management services.
• Produce quality referrals through regular calls to prospective and existing customers as well as referral sources.
• Utilize lending experience and knowledge base to be self-sufficient in developing loan opportunities.
• Identify and cross-sell a wide range of commercial banking services by following a proactive sales and business development plan

Skills on Resume: 

• Portfolio Management (Hard Skills)
• Credit Monitoring (Hard Skills)
• Client Relationship Management (Soft Skills)
• Referral Generation (Soft Skills)
• Loan Origination (Hard Skills)
• Delinquency Management (Hard Skills)
• Cross-Selling (Soft Skills)
• Business Development (Soft Skills)

Job Summary: 

• Compile and analyze data for commercial loan requests.
• Retain and expand all assigned banking office loan relationships.
• Outline loan terms and conditions and inform borrowers of loan commitments.
• Assist borrowers by making appropriate recommendations concerning financing options and financial decisions.
• Originate and service a wide variety of business and individual loans both secured and unsecured.
• Screen loan requests based on financial institution policies and on types of loans offered by the institution.
• Meet individual performance expectations for loans, deposits, and fees, while managing own book of business.
• Maintain compliance with loan policy, procedures and documentation, including loan package preparation, while properly structuring, underwriting, and pricing.
• Provide on-going service to existing clients and branch personnel regarding loan questions and issues.
• Work with Commercial Lending Manager on recommendations for conditions and terms of commercial loans.

Skills on Resume:

• Data Analysis (Hard Skills)
• Loan Origination (Hard Skills)
• Client Relationship Management (Soft Skills)
• Financial Advising (Soft Skills)
• Risk Assessment (Hard Skills)
• Compliance Management (Hard Skills)
• Performance Management (Soft Skills)
• Negotiation (Soft Skills)

Job Summary: 

• Solution-based sales, delivering exceptional client service in every interaction.
• Providing clients with ease, value, and expertise by helping them get the credit they deserve.
• Developing strong partnerships with line of business partners – focusing on client acquisition and deepening the relationship of current clients, effectively managing internal and external centers of influence.
• Calling on a book of business, setting appointments, following up on referrals, and going out into the field to obtain new business.
• Analyzing financial data and formally preparing a written review of the data to make internal loan decisions and for presentations to the Board of Directors.
• Ensuring compliance with operational, risk, security, and audit procedures and policies including appropriate documentation of client interactions.
• Maintain an ongoing business development program to assist existing customers and solicit new customers to the bank
• Monitor loan portfolio & loan repayment activities and take necessary action to collect from past-due accounts
• Build a book of business specializing in commercial loans
• Develop new loans and manage the existing loan portfolio

Skills on Resume: 

• Sales Strategy (Hard Skills)
• Client Service (Soft Skills)
• Relationship Building (Soft Skills)
• Financial Analysis (Hard Skills)
• Risk Management (Hard Skills)
• Compliance Knowledge (Hard Skills)
• Business Development (Soft Skills)
• Portfolio Management (Hard Skills)

Job Summary: 

• Providing service to customers seeking loans or lines of credit regarding significant amounts of unsecured funds and/or credit secured by other collateral
• Interviewing applicants to develop information concerning business needs, financial capacity, growth plans, and earnings to determine whether a loan may be an acceptable risk
• Obtaining and analyzing all necessary financial data, spreading financials, conducting credit checks, drafts necessary documents and agreements, and preparing loan packages 
• Determining loans and terms within own lending limits, or making recommendations to senior management and/or Loan Committee
• Monitoring current loans and credit lines to ensure conformity with terms and to detect slow payment trends or deterioration in collateral or the customer=s financial decision.
• Monitoring and correcting documentation exceptions
• Maintain a substantial and growing loan portfolio with regard to quantity and quality.
• Visit current customers and cold call potential customers outside the bank: calling the customer and physically visiting the customers’ location and meeting with potential clients.
• Accommodations may be made to enable individuals with disabilities to perform the essential functions.

Skills on Resume: 

• Financial Analysis (Hard Skills)
• Credit Risk Assessment (Hard Skills)
• Loan Documentation (Hard Skills)
• Portfolio Management (Hard Skills)
• Interviewing (Soft Skills)
• Problem Solving (Soft Skills)
• Customer Service (Soft Skills)
• Networking (Soft Skills)

Job Summary: 

• Identify and evaluate opportunities for commercial real estate, construction, commercial term loans, lines of credit, conventional loans, and SBA loans
• Generate leads and opportunities independently and perform a variety of commercial credit analysis functions
• Manage multiple transactions at various stages of completion simultaneously
• Prepare loan presentation documents in collaboration with underwriting team
• Maintain a referral network with builders, developers, commercial brokers, and other related businesses
• Correspond with AAFCU’s Lender Service Provider regarding eligibility, structure, credit memo requirements, closing documents and compliance for SBA 7A loans
• Correspond with AAFCU’s Certified Development Company partners regarding eligibility, structure, credit memo requirements, closing documents and compliance for SBA 504 loans
• Reviews construction loan draw requests, perform site visits, manages construction budget worksheet, and prepares draw package for final submission and approval
• Organize and maintain loan files to ensure all required documents are collected and easy to locate for compliance reviews and annual reviews
• Respond to member and prospect needs with urgency, competence, and clarity

Skills on Resume:

• Credit Analysis (Hard Skills)
• Loan Structuring (Hard Skills)
• Risk Management (Hard Skills)
• Documentation (Hard Skills)
• Multitasking (Soft Skills)
• Networking (Soft Skills)
• Communication (Soft Skills)
• Organizational Skills (Soft Skills)