Commercial Lender

Essential Job Functions

• Develop and maintain relationships with business members, understanding their financial needs and objectives, as well as identify and recruit potential members and business opportunities
• Evaluate loan applications, financial statements, tax reports, credit reports and other documentation to determine creditworthiness of applicants
• Structure and negotiate loan terms, ensuring compliance with Business Loan Policy and other regulatory requirements
• Work closely with members of the team to develop credit presentations to and present them to loan committee
• Closely manage a portfolio of loans by monitoring loan performance and managing risk by conducting regular reviews and follow-ups
• Stay updated on industry trends, economic conditions, and regulatory changes
• Collaborate with other departments to ensure seamless service delivery of all products and services for our business members

Education and Experience: 

• Bachelor’s degree in Finance, Business Administration, or a related field preferred
• Experience in a financial institution or credit program
• Experience or training in commercial lending or the equivalent

Knowledge and Abilities:

• Strong analytical, decision making, and complex problem-solving skills
• In depth understanding of financial statements, tax returns, credit analysis, and risk management
• Proficient in negotiating loan terms and conditions to achieve favorable outcomes for both parties
• Ability to work independently and manage multiple priorities
• Strong written and verbal communication skills
• Proven organization, prioritization, and accuracy in work

SPECIAL FACTORS AND PHYSICAL DEMANDS:

• Requires being under constant pressure for absolute accuracy within time limitations
• Requires working with disgruntled members and frequent interruptions
• Ability to lift and/or carry up to 30 pounds
• Stooping; kneeling; crouching; and reaching below, at, and over shoulder level required
• Sitting – 80%; standing and walking – 20%
• Hearing, visual, and verbal ability required

Sage Credit Union is an Equal Opportunity Employer.