Commercial Loan Officer II

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At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

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About - Gesa Credit Union Role

Summary:

The Commercial Loan Officer II is responsible for originating a profitable portfolio of commercial loans, with the overall objective of maintaining and growing its asset quality, and to develop new and existing business relationships.

What You Will Be Doing:

Meet assigned sales goals and objectives. Participating in business development activities that promote the increase of business loans and deposits for the Credit Union Call on member businesses to expand existing relationships, creating member loyalty to the Credit Union Accurately process business loan applications in a timely manner

Complete annual credit reviews of member business loans to assess the overall financial condition and member’s ability to re-pay the loan

Make credit approval recommendations to the appropriate approval authority that promotes safe and sound credit underwriting and prudent lending practices

Provide guidance to the commercial loan processor in the completion of all loan documents and business loan closings

Assist in collecting past due loans, maintain a 30-day delinquency rate of .50% of less and a charge-off rate of no more than .50% of your loan portfolio

Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities

Attend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities

Monitor existing loan portfolio to ensure credit quality and regulatory compliance

Maintain up-to-date credit files including current financial information deemed necessary and in accordance with the business loan agreement

Assist members with any business loan-related questions and concerns

Maintain an understanding of the Credit Union Policies and member business lending operating procedures and guidelines

Demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations

Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge

Display mutual respect, trust and dignity, acting in the best interest of the Credit Union. Lead by example by displaying solid ethics and integrity at all times

About You:

To provide knowledgeable, professional, friendly service to all members

To maintain up-to-date and comprehensive knowledge of all credit union products, services, policies and procedures

To participate in and support a team environment

To effectively manage your time that promotes responsiveness to credit requests, and other duties that may be assigned

To analyze the financial, management, and economic risks related to member business loan requests

To possess and display excellent member service attributes

To maintain a positive and professional image through effective verbal and written communication

What You Will Need:

Equivalent to a four (4) year college degree or completion of a specialized course of study at a business, trade school, or equivalent experience

Five (5) to eight (8) years of 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…