Commercial Relationship Lender

Job Overview

This position reports to the Commercial Lending and Business Relationship Manager. The Commercial Relationship Lender generates commercial loans and deposits by developing strong lending relationships with business owners, CPA’s, builders, developers, realtors and loan brokers.

Mortgage and Business Services Center – El Paso, TX 79925

Pay commensurate with experience.

• Bachelor’s degree in business administration or related area.
• Minimum of 5 years lending experience.
• Understanding of the foundation of determining credit worthiness.
• Knowledge of credit union loan policies, products, procedures, processing, and underwriting guidelines.
• Ability to analyze financial data and complete risk rating models.
• Strong decision‑making and problem‑solving skills.
• Ability to evaluate alternative solutions and make sound and effective decisions.
• Able to operate basic office equipment. Computer proficiency in Outlook, Word, Excel and PowerPoint.
• Strong interpersonal skills and able to work well with others.

Advising members on different customized loan options, assessing financial information, and structuring loans within loan policy. Performing due diligence on the lending process from application to closing documentation. Obtaining and reviewing borrowers and/or guarantors’ financial data, including tax returns, income statements, financial statements, and business plans. Keeping abreast of amendments to loan policies, lending procedures, and regulations, mitigating any loan policy exceptions or deficiencies, and submitting a complete loan file for underwriting review.

Managing the loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.

• Market CU member business and commercial loan products to the local community, individuals and both large and small business owners.
• Generate new business through prospecting, outside calling, networking and referrals.
• Extensive knowledge with lending regulations, compliance, loan application process, debt service coverage, analyzing tax returns, UCA Cash Flow, financial ratios and spreading, credit presentations, annual reviews, CRE appraisals, non‑real estate LTVs, and loan documentation.
• Effectively screen prospects to identify those that meet underwriting criteria and organizational mission objectives.
• Conduct preliminary credit analysis on proposed loan packets received.
• Complete initial loan application package, ensuring file is complete, accurate, and properly notated.
• Organize loan paperwork and submit file for underwriting review.
• Effectively negotiate loan terms and conditions.

• Provide information to members, both in person, over the phone, or via email regarding questions and loan requests.
• Ensure all loans are originated, disclosed and/or re‑directed accurately and timely within all established regulatory compliance requirements and time frames.
• Effectively communicate to staff the status of borrower files on a regular basis and engage other team members as appropriate.
• Provide notice to the Business Lending Manager as to any loan file deficiencies, exceptions, or policy issues/concerns.
• Create and maintain reports to keep staff and management up to date at periodic loan review meetings and as needed for management reporting.
• Attend and participate in meetings as required.
• Participate in community and professional organizations and events.

Complies with all Bank Secrecy Act (BSA) rules and regulations. Attends required annual BSA training.