Senior Commercial Loan Officer

• Location 7101 Supra Dr SW,Albany, OR, ,United States
• Base Pay $95,306.00 - $ / Year
• Job Category BUSINESS SERVICES
• Employee Type FT Exempt
• Required Degree 4 Year Degree
• Travel 10%
• Manage Others No

Respect. Integrity. Ethics. Compassion. Humor.

At
Central Willamette Credit Union
, these five values aren’t wall décor—they’re how we show up every day. We’re here to
build local loyalty
,
stay connected to our community
, and
make life easier for the people we serve
. We do that by hiring passionate team players who love great service, embrace change, and can appreciate a well-timed laugh.

If you’re a
detail-oriented, analytical relationship-builder
with the judgment to make
smart, sound lending decisions
, keep reading—this might be your next great fit.

Hybrid schedule:3 days in office / 2 days remote
Salary:$95,396–$119,133

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. You’ll be responsible for
originating, underwriting, documenting, and managing
a complex commercial loan portfolio while maintaining a
high-quality asset base
.

You’ll also develop new and existing business relationships, provide guidance and counseling to members regarding business services, and make sound credit decisions that balance member needs with the Credit Union’s risk standards and strategic priorities.

• Vacation that actually grows with you:
• 2 weeks your first year
• 3 weeks your second
• 4 weeks your third
• 10 paid holidays
  and5 paid sick days
  annually
• Medical, dental, and vision
  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
  opportunities
• 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.
• Engage in business development and civic initiatives throughout the community 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 (pricing, terms, covenants, collateral, duration) aligned with relationship goals and Credit Union guidelines.
• Make underwriting decisions within approval authority; present requests to appropriate approval channels 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 (as applicable), including financial 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 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.
• Verify loan agreements and documentation are complete and accurate according to applicable policies and procedures.
• Recommend policy, guideline, and procedural changes 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…