Senior Commercial Loan Officer

At Central Willamette Credit Union, these five core values aren’t just words—we live by them every day. Our mission is to build local loyalty, connect with our community, and make life easier for those we serve. To achieve this, we hire passionate team players who are eager to serve, embrace change, and enjoy a good laugh along the way.

If you're a detail-oriented, analytical professional with a knack for building relationships and making sound lending decisions, this role is for you!

Within the context of Central Willamette’s Statement on Sales Culture, the Senior Commercial Loan Officer provides ethical, professional, friendly, and quality service to our members. This role is responsible for originating, underwriting, documenting, and managing a complex commercial loan portfolio while maintaining a high-quality asset base. The Senior Commercial Loan Officer develops new and existing business relationships, provides guidance and counseling to members regarding business services, and makes sound credit decisions that balance member needs with the Credit Union’s risk standards and strategic priorities.

Hybrid schedule. 3 days in office / 2 days remote.

• 2 weeks’ vacation your first year, 3 weeks your second, and 4 weeks your third
• 10 paid holidays and 5 paid sick days annually
• Medical, dental, and vision insurance starting the first of the month after hire
• 401(k) with employer match after 6 months
• Semi-annual incentive bonus (up to 5% of annual salary)
• Professional Growth
• Incentives

• Participate in developing lending and deposit business for the Credit Union.
• Call on members/clients to expand existing business and call on prospects to expand the Credit Union’s business client base.
• Actively engage in business development and civic initiatives with contacts throughout the community, including members and prospective members, to achieve defined goals.
• Build and maintain strong internal referral partnerships and external centers-of-influence relationships.

• Take applications for commercial loan business.
• Obtain necessary documents to fully underwrite and document credit requests.
• Review borrower financial condition and assess repayment ability through a thorough due diligence process.
• Establish appropriate loan structure, including pricing, terms, covenants, collateral, and duration, in alignment with relationship goals and Credit Union guidelines.
• Make underwriting decisions within approval authority; present requests to appropriate approval channels (e.g., committee) as needed.
• Complete or direct completion of all loan documents and close loans, ensuring accuracy, completeness, and compliance.

• Monitor an existing commercial portfolio to maintain a high-quality asset base.
• Maintain up-to-date member/client files including current balance sheets, profit and loss statements, cash flow projections, and supporting documentation.
• Perform ongoing relationship/portfolio management activities including identification and documentation of:
• Problem loans
• Policy exceptions
• Grade changes
• Annual reviews
• Watchlist reviews and/or special reviews as required
• Identify emerging risks and trends and recommend appropriate actions consistent with sound credit administration.

• Approve loans within established limits or refer loans to the appropriate approval body for approval.
• Verify loan agreements and documentation are complete and accurate according to applicable policies and procedures.
• Recommend policy, guideline, and procedural changes as needed to strengthen effectiveness, consistency, and member experience.

• Troubleshoot and resolve internal and external inquiries in a timely, professional manner.
• Assist members with loan-related questions and concerns, ensuring clarity and an excellent member experience.
• Communicate effectively with internal partners (operations, branch teams, finance, compliance, etc.) to support…