Commercial Loan Officer II

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.

• Meet assigned sales goals and objectives. Participate 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, 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.

• Provide knowledgeable, professional, friendly service to all members.
• Maintain up‑to‑date and comprehensive knowledge of all credit union products, services, policies and procedures.
• Participate in and support a team environment.
• Effectively manage your time that promotes responsiveness to credit requests, and other duties that may be assigned.
• Analyze the financial, management, and economic risks related to member business loan requests.
• Possess and display excellent member service attributes.
• Maintain a positive and professional image through effective verbal and written communication.

• 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 office equipment, MS Office, Outlook software, financial analysis software, and other commercial lending platforms.
• Some travel may be required to fulfill duties, career development, and/or responsibilities.
• A valid Driver’s License is required.

Full Salary Range: $ – $

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year accrual of Paid Time Off – Plus 10 Paid Holidays
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

Selected candidate(s) must be able to pass a pre‑employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran. Equal Employment Opportunity ()