• Focus on soliciting, negotiating, underwriting, originating, and closing commercial loans. 
• Primary responsibilities include providing superior customer service and performing business development activities for relationship and portfolio management.
• Foster and acquire new relationships with qualified borrowers through business development efforts.
• Maintain a high level of service and support to existing customers to maximize opportunities for repeat business.
• Attend loan closings, industry events, and other opportunities for networking and business development. 
• Professionally represents the Bank in various community and civic functions to further enhance the Bank's image and develop additional business.
• Manage the loan process from initial client contact through closing using effective communication with both internal and external customers and third-party relationships.
• Performs pre-qualification assessment of applicants and obtains information regarding earnings and financial condition 
• Evaluate the applicant's creditworthiness, including the analysis of the financial condition and if the risk of request is within the framework of the bank's credit culture and current economic and industry trends.
• Negotiates, underwrites, and processes renewals and modifications of loans.
• Approves loan payments, loan disbursements, and fund transfers within specified limits.
• Develops and maintains knowledge of the financial industry, economy, market conditions, rates, vendors and competition.

Skills: Loan Origination, Client Management, Business Development, Credit Assessment, Loan Management, Financial Knowledge, Community Engagement, Analytical Skills.

• Consistently applies superior decision-making techniques about inquiries, approval, and requests as they apply to existing policies and procedures.
• Promotes and cross-sells other Bank products and services to customer requirements.
• Maintain a working knowledge of the Bank's policies/procedures that apply to and concern the position's responsibilities
• Effectively partner with customers by providing exceptional customer service utilizing Uinta Bank’s service standards
• Works collaboratively with the Treasury Management Officer to grow deposit relationships with loan customers.
• Participate in the bank's business development activities
• Represent the bank in industry and professional associations, community organizations, local business groups, and other organizations, to support Pride in Peoples.
• Demonstrates understanding of commercial loan documentation along with possessing the ability to fully underwrite and analyze loan requests
• Performs ongoing file updates, maintenance and organization.
• Exhibits regular and punctual attendance.
• Approves or declines such exceptions within established limits.

Skills: Decision-Making, Product Cross-Selling, Policy Knowledge, Customer Service, Collaborative Partnership, Business Development, Community Representation, Loan Underwriting.

• Interviews commercial loan applicants and evaluates the viability of requests by identifying and collecting appropriate data necessitated for standard loan underwriting procedures to determine risk and profitability factors.
• Evaluate credit analyses while concurrently considering customer needs and other risk and regulatory factors before determining loan decisions and negotiating terms.
• Determines the extent to which additional investigations are necessary for existing customers and new business prospects.
• Determines loan decisions within lending authority and/or recommends and presents loans for approval to appropriate approval authority including the Loan Committee and/or Board of Directors.
• Prepares and approves line of credit renewals and extensions of matured notes.
• Enhances existing customer relationships by providing consistently excellent service.
• Reviews and monitors portfolio credit quality including initiating collection efforts, downgrading problem loans, along constructing exit strategies
• Provides policy and credit quality input to appropriate commercial personnel/committees.
• Demonstrates expert knowledge of bank products and services by engaging in cross-selling on a needs-based approach.
• Participates in new business and community development activities while representing the bank at various business and/or community events to enhance bank visibility.
• Serves as a voting member of the Loan Committee and understands the standard commercial loan documentation.

Skills: Loan Evaluation, Credit Analysis, Risk Assessment, Decision Authority, Portfolio Management, Customer Service, Policy Input, Community Engagement.

• Participate in commercial business development activities.
• Interview business loan applicants to develop information concerning their loan needs, earnings, and financial conditions.
• Analyze the current financial position of customers to determine the degree of risk involved in extending credit or lending money.
• Make decisions to approve, disapprove, or forward the loan request to higher levels for decision.
• Explain loan programs to customers, evaluate their needs, and recommend loan options.
• Establish the terms and conditions for a loan approval and review them with the customer.
• Prepare and/or review all loan documents for completion and accuracy and closing loan transactions.
• Follow current loans to ensure compliance with terms and coordinate with collections.
• Stay informed of current trends in business credits.
• Exhibit a professional manner in dealing with others
• Cooperative and positive working relationships 
• Represent the bank in a positive manner

Skills: Business Development, Loan Interviewing, Financial Analysis, Credit Decision-Making, Customer Consultation, Loan Documentation, Compliance Monitoring, Trend Awareness.

• Lead and support the Strengthening HOPE Initiative that values an organizational culture for open communication, innovation, associate engagement, and other traits that contribute to collaboration and high performance.
• Perform regular commercial loan portfolio reviews based on risk and/or size of all commercial credit types (commercial real property, FF&E, Small Business Administration, etc.) that cover the following areas: 
• Ensuring that acceptable credit standards are maintained (confirms lien perfection, repayment capacity, collateral, etc.) 
• Ensuring that loans conform to established Credit Union lending policies and procedures and that required documents have been obtained and are thorough and accurate 
• Ensuring conformance to relevant state and federal laws and regulations 
• Maintain credibility with others and model high standards of honesty, integrity, trust, and openness.
• Understand and follow through with appropriate standards of conduct and moral judgment
• Willing to act outside the norm when needed to adhere to ethical principles.
• Communicate and demonstrate actions in a Maintain strict confidentiality regarding any information obtained during performing job duties
• Adhere to Bank policies and procedures regarding confidentiality.
• Inform management of any potential fraud opportunities and/or detection 
• Review overdraft reports for customers assigned within the loan officer’s portfolio

Skills: Leadership Development, Portfolio Review, Credit Standards, Regulatory Compliance, Integrity and Trust, Ethical Conduct, Confidentiality, Fraud Detection.

• Confirm proper loading of loan data in the loan tracking and servicing software 
• Ensure the creditworthiness of the loan portfolio, looking for changes that merit a review of lending practices and/or adverse asset classification 
• Validate the accuracy of the credit grading/loan rating system
• Evaluate the allowance for loan loss methods/reserves/allocations/watch list 
• Identify problem loans and describe deficiencies
• Recommend final credit grades for approval by the Commercial Loan Review Committee 
• Provide detailed reasons/rationale for assigning differing and/or adverse risk ratings and reserves 
• Identify and evaluate portfolio trends concerning delinquency, bankruptcy, demographics, loan programs, and other factors 
• Monitor portfolio diversification by policy guidance and strategic plan 
• Review Credit Union processes (loan approvals, policy exception reporting, supervisory loan-to-value limits, underwriting, covenants, internal controls, concentration reporting, ALLL methodology, etc.) 
• Evaluate the adequacy and effectiveness of tracking systems 
• Determine if proper approval procedures and loan authorities are adhered
• Report trends and/or make suggestions for changes 

Skills: Data Management, Credit Assessment, Grading Validation, Risk Analysis, Loan Identification, Trend Analysis, Process Evaluation, Portfolio Monitoring.

• Verify quality, completeness and accuracy of supporting loan documentation and analysis independent of Commercial Loan Officers 
• Periodically review files for appraisals, deeds of trust, UCC filings, perfection on liens, collateral evaluations and valuations, etc.
• Perform regular back-end review of financials and related analysis (financial statements, tax returns, rent rolls, personal financial statements, cash flow statements, etc.) 
• Identify trends, debt service coverage, performance ratio analysis 
• Review loan policy for the adequacy 
• Validate that applicable laws and regulations are addressed by policy 
• Ensure that actual procedures/processes uphold the written policy 
• Make suggestions/recommendations for changes/updates/revisions to policy content 
• Assess problem loan management/workout plan effectiveness 
• Provide assistance and consultation to loan officers, other lending personnel (Closing, Loan Administration, Credit Analysts, etc.), auditors and regulatory examiners 
• Prepare an executive summary of each review and supporting analysis 
• Create write-ups for presentation to individual lenders and/or management 
• Stress tests the loan portfolio or individual loans for risk monitoring 

Skills: Document Verification, File Review, Financial Analysis, Trend Identification, Policy Review, Regulatory Compliance, Problem Loan Management, Risk Monitoring.

• Effectively market, develop and implement effective business development strategies to ensure goals and objectives are met. 
• Represent Elevations in the business community to develop a strong presence as the preferred commercial lender of choice in markets. 
• Be actively engaged in ensuring Elevations has compelling and competitive products and services and outstanding delivery of those to members. 
• Solicit, and receive applications for loans and other products and ensure complete and accurate data from business owners. 
• Serve as the central point of contact for all members during the application process and ensure timely and effective communication and processing of requests. 
• Keep informed of current trends and external market factors regarding commercial products and services. 
• Cross-sell other credit union products and services. 
• Stay informed and compliant will all applicable policies and regulations. 
• Actively and effectively manage the commercial portfolio. 
• Adhere to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA).
• Participate in special lending-related projects, including overseeing HOPE’s commercial loan appraisal process. 
• Present findings to the SVP of Commercial Lending

Skills: Business Development, Market Representation, Product Promotion, Application Management, Member Communication, Market Awareness, Cross-Selling, Portfolio Management.

• Assist Senior Management in monitoring the quality of existing loans 
• Manage individual loan portfolios, including monitoring, documentation, credit requests, annual reviews and collections 
• Make customer calls and participate in new business development for both deposits and loans. 
• Market bank services to present and potential customers in the community through business networking, organizations, cold calls and site visits 
• Develop and maintain business relationships 
• Interview established clients and prospects for more complex commercial and SBA loans
• Create loan presentations. 
• Review analyze and approve requests within established policies of the bank 
• Present requests that are above the lending limit to the loan committee and Boar do Directors for approval. 
• Be responsible for the quality of the underwritten loan portfolio 
• Be responsible for completing annual line reviews promptly 
• Monitor and analyze compliance, report to the Loan Department through the Senior Loan Officer 
• Managing delinquency and knowing proper collection procedures to collect loans within the portfolio 

Skills: Loan Quality Monitoring, Portfolio Management, Business Development, Client Relationship Building, Loan Analysis, Loan Presentation, Compliance Monitoring, Collections Management.

• Developing and managing commercial loan accounts that meet established lending requirements and provide maximum profitability to the Bank at minimum risk.
• Collecting and analyzing information that reflects the current creditworthiness of customers and the current merits of existing loans.
• Reviews and analyzes title reports or surveys to determine issues and any present or potential risks.
• Analyzing the applicant's financial status, credit and property evaluation to determine the feasibility of granting a loan or submitting an application to a credit analyst for verification and recommendation.
• Meeting with applicants to obtain information for loan applications and to answer questions about the process.
• Guiding loans through the approval and closing process.
• Explaining, promoting, cross-selling, or referring bank, insurance and trust products or services.
• Representing the Bank in the community through professional and civic involvement is critically important to this role.
• Completion of a formalized credit training program
• Remain current with lending laws and regulations, along with products and services offered by competitors and other vendors
• Make recommendations for new loan products and services
• Adhere to bank policy, procedures and all lending laws and regulations
• Maintain a high level of customer confidence

Skills: Loan Account Management, Credit Analysis, Risk Assessment, Financial Evaluation, Application Guidance, Loan Processing, Product Promotion, Community Representation.

• Experience as a commercial loan credit analyst or highly translatable skill set and experience.
• Developed business relationships and established professional network within community desired.
• Experience in commercial and small business lending preferred.
• Thorough business knowledge of the business lending industry.
• Experience with treasury management sales.
• Demonstrated secondary market skills and knowledge.
• Excellent communication skills and knowledge of lending laws, regulations, policies and compliance.
• Ability to develop or improve loan products.
• Ability to develop strategy for seminars, presentations and trade shows.
• Proven track record of effective sales/service skills and techniques.

Qualifications: BS in Finance with 2 years of Experience

• Experience in traditional bank Commercial Banking.
• Deep understanding of credit and finance.
• Exceptional negotiation skills.
• Have commercial lending experience or related experience analyzing business financial statements and assessing the financial position of a viable business entity.
• Must possess excellent communication and public relations skills.
• Proficiency with standard office equipment, MS Office and Outlook software, financial analysis software, and other commercial lending platforms.
• Excellent capability to independently and proactively service multiple clients.
• Specialized knowledge from education and/or business experience.
• Excellent verbal & written communication skills
• Strong collaboration & team skills 
• In-depth analytical, problem solving and influence skills 

Qualifications: BS in Accounting with 5 years of Experience

• Strong interpersonal skills, financial analysis skills
• Proven ability to develop and enhance client relationships, extensive knowledge of all bank deposit and loan products including SBA/FSA and other third-party offerings
• Experience in Moody's Lending Cloud software 
• Four-year college degree in finance or related field.
• Minimum of one year of commercial lending experience or two years of commercial credit analysis experience.
• Strong proficiency in Microsoft Office products and the Internet.
• Strong interpersonal skills and Ability to learn and adapt quickly.
• Basic understanding of risk management concepts 
• Understanding and experience working with credit documentation
• Must be able to perform general office duties, including but not limited to maintaining supplies and distributing communications
• Updates job knowledge by participating in educational opportunities

Qualifications: BS in Business Administration with 4 years of Experience

• Demonstrated ability to review and evaluate documentation for risk
• Related experience with regulatory, compliance and due diligence requirements
• Understanding of Bank operations and familiarity with the credit process
• Strong organizational, reasoning and communications skills
• Self motivated and independent with the ability to multi task, balance a demanding work load and meet critical deadlines
• PC skills including Word, Excel and Power Point 
• Ability to establish and maintain effective working relationships
• Qualified candidates will have at least five years of commercial lending (both C&I and Commercial Real Estate) experience ideally in the market
• Strong credit skills and a record of success in developing, maintaining and closing new business.
• Ability to utilize deductive and inductive reasoning to solve problems
• Ability to understand new information and apply it for future problem-solving and decision-making

Qualifications: BS in Economics with 6 years of Experience

• Strong commitment to providing exceptional customer service.
• Have previous commercial lending experience.
• Strong knowledge of analyzing credit requests, collateral analysis, proper structuring and pricing of loans and collections.
• Working knowledge of Word, Excel and Access
• Proven ability for business development and ability to work independently and as a team member.
• Demonstrated ability to provide information in concise verbal and written formats.
• Excellent skills in assessing borrower’s global cash flow on both a historical and pro forma basis, utilizing business tax returns and individual tax returns
• Ability to spread, analyze, underwrite, structure, negotiate and close the more complex transactions that the department encounters.
• Ability to work independently on multiple projects simultaneously with limited oversight to meet the expectations of multiple advisors, client loan closing deadlines, and the requirements of Bank management and Bank regulators.
• Ability to balance new loan production duties with loan quality and portfolio management responsibilities

Qualifications: BS in Banking and Financial Services with 5 years of Experience

• Related financial institution experience including knowledge of commercial lending, delinquency and analysis may be substituted for education experience.
• Must have excellent verbal/written communication skills
• Must have ability to read complex materials and summarize in an easy to follow procedure.
• Must have strong people, leadership, sales, and organizational skills.
• Must have strong problem solving skills
• Must be reliable and have the ability to plan, organize, change, create and be flexible on short notice
• Knowledge of commercial lending parameters
• Must be self-motivated and able to work independently
• Technology proficient i.e. able to adopt and embrace new technology readily.
• Good working knowledge of Microsoft Word and Excel.
• Ability to effectively handle multiple tasks and meet deadlines

Qualifications: BS in Real Estate with 7 years of Experience

• Must be able to demonstrate proven track record of successful loan commercial loan originations
• Must be able to cross-sell banking products
• Must be willing to work extended hours to attend evening business functions
• Formal bank credit training, preferred, credit skills are a must.
• Have commercial lending experience.
• Strong oral and written communication skills.
• Ability to manage customer and internal management expectations.
• Knowledge of FISERV and/or Abrigo
• Must have a solid understanding of base accounting and cash flow principles as relate to structuring and analyzing commercial creditworthiness.
• Ability to effectively present information and respond to inquiries

Qualifications: BS in Business Management with 3 years of Experience

• Demonstrate high energy and a disciplined sense of urgency
• Follow through with superior customer satisfaction and service
• Ability to engage with smart, energetic entrepreneurs
• Trustworthiness, integrity, passion for inspiring and helping others
• Ability to apply common sense understanding to carry out written and oral instructions.
• Experienced in negotiating and structuring a range of CRE & C&I deals from simple to complex
• Solid financial analysis skills and understand loan documentation
• Strong organizational, reasoning & communication skills
• Self-motivated and independent with the ability to multi-task and meet deadlines
• Proficient PC skills in Microsoft Office Suite (Excel, Word & PowerPoint)

Qualifications: BS in Marketing with 4 years of Experience

• Have professional work experience for a commercial bank, debt fund, Agency lender, CMBS lender, commercial real estate brokerage, or mortgage banking firm
• Verified track record of being directly involved in at least $25,000,000 of residential investment or commercial property loan closings in career
• Excellent Microsoft Excel skills
• Strong work ethic and exceptional interpersonal skills
• Self-motivated and driven by financial success.
• Knowledge of relevant Federal and State banking regulations.
• Thorough knowledge of procedures and policies with respect to loan transactions.
• Familiarity with Bank security and safety practices.
• Thorough understanding of federal banking compliance and requirements.
• Excellent PC skills and strong “People First” interest and ability.
• Ability to communicate effectively.

Qualifications: BS in Risk Management with 2 years of Experience

• Knowledge of credit underwriting, basic accounting and loan documentation.
• Proficient computer skills using Microsoft Word, Excel and Outlook.
• Good level of interpersonal and social skills needed to interact with customers or prospective clients.
• Good time management and mathematical skills.
• Ability to sell, negotiate and meet sales goals.
• Good credit and administrative skills.
• Ability to write reports and business correspondence.
• Ability to effectively present information and respond to questions.
• Community and/or industry involvement in territory.
• Ability to facilitate effective team decision making, relying on team members’ expertise, knowledge, and relationship with the client.

Qualifications: BS in Statistics with 5 years of Experience