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C
Commercial Loan Originator
Credit Union ONECommercial Lender responsible for originating and managing commercial loans at Credit Union ONE. Building relationships with local business owners and promoting credit union products and services.
About the role
Key responsibilities & impact- Responsible for assigned commercial portfolio and origination of new commercial loans through multiple sources internal and external; negotiate workout scenarios
- Develops new business by contacting prospects and business members, promoting credit union products and services
- Review credit proposals for approval and exercise credit authority within delegated lending limits
- Ensure overall soundness of assigned loan portfolio
- Build rapport with internal and external centers of influence
- Monitor commercial overdrafts, portfolio delinquencies and collection efforts
- Ensure collection of financial information used to determine borrower’s creditworthiness
- Stay abreast of changes to policies, procedures, NCUA, SBA, Federal, and State regulations as they pertain to the Credit Union industry and area of responsibility
- Maintains the highest level of product and service knowledge including all benefits and features as well as all operational/systems issues related to offering, selling, and booking or engaging in transactions for such products and services
- Creates and delivers presentations to prospects, business members, employees, and senior management
Requirements
What you’ll need- Bachelor’s degree from a four-year college or university in Business Administration or related field of study
- Minimum of seven years of work-related experience; or the equivalent combination of the experience and education
- Work related experience must include Commercial Lending portfolio management
- Proven record of Commercial Business Development success
- Experience with Commercial Lending and Commercial Cash Management regulations and compliance
- High level of local market knowledge (Southeast Michigan)
- Understanding of commercial lending laws and regulations
- Excellent organizational and time management skills
- Passion and commitment to great member service and ability to lead by example
- Strong communication skills
Benefits
Comp & perks- Excellent benefit package including incentives
ATS Keywords
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Hard Skills & Tools
Commercial LendingPortfolio ManagementBusiness DevelopmentCredit AnalysisFinancial AnalysisRegulatory ComplianceCash ManagementCredit Proposal ReviewLoan OriginationNegotiation
Soft Skills
Organizational SkillsTime ManagementCommunication SkillsInterpersonal SkillsLeadershipCustomer ServiceRapport BuildingPresentation SkillsProblem SolvingTeam Collaboration
Certifications
Bachelor’s Degree in Business Administration