Commercial Portfolio Small Business Specialist

Commercial Portfolio Small Business Specialist

Regular Full-Time Headquarters, Fairfax, VA, US

3 days ago Requisition

At Apple Federal Credit Union, we’re more than a financial institution; we’re a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we’re committed to improving the lives of our members and the communities we serve.

We believe our employees are our greatest asset. That’s why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you’re just starting out or advancing your career, you’ll find opportunities for professional development, mentorship and meaningful impact.

• Recognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2025)
• Collaborative, welcoming environment with forward‑thinking leadership
• Medical, dental and vision coverage
• 401(k) with employer match
• Paid time off and 11 paid federal holidays
• Tuition reimbursement and ongoing training opportunities

• Under general supervision and in accordance with established policies and procedures, this role promotes the credit union's commercial products and services within Apple's geographic market area. The individual is responsible for providing comprehensive financial solutions to small businesses with annual revenues of up to $5 million and credit needs of less than $500,000, while also actively managing and strengthening those relationships.
  
  This position will focus on growing an existing book of business and prospecting for new members. The primary objective of this role will be to deepen and enhance existing member relationships.
• The ideal candidate should possess extensive knowledge of small business banking, commercial real‑estate (CRE) lending, SBA loans, government contract lending, and commercial and industrial (C&I) loans.
• This position will collaborate closely with the loan origination, credit, and servicing teams. This individual will be the primary liaison between the branch and call centre staff, respond to referrals from the branch and other loan officers and serve as the primary point of contact for all website inquiries.
• This role involves developing and maintaining relationships with small business clients, assessing their financial needs, and providing customized banking solutions. Responsibilities include pre‑screening member loan requests, processing and closing loan applications, and gathering the necessary documentation in accordance with existing policies and procedures.
• This individual will request, review, and spread the company/guarantor financial information. Understand credit analysis (cash flow analysis, debt service calculations, LTV, and collateral analysis). On an ongoing basis, this position will monitor, review, and evaluate ongoing compliance with financial covenants and reporting requirements. In addition, have a thorough understanding of the annual review process.
• The position seeks loans that align with the organization's risk profile and strategic goals while managing an existing client portfolio. A strong work ethic and an entrepreneurial attitude are essential.
• The role also requires adherence to the principles of The Apple Way, including Teaming Up, Serving with Purpose, Challenging Yourself, and Taking Ownership. It is important to remain aware of and comply with credit union policies, procedures, and regulations related to the Bank Secrecy Act. Additional duties may be assigned by the VP of Commercial Services.

• The primary responsibility of this position is to originate commercial and industrial (C&I) loans, which include working capital lines of credit, equipment loans, term loans, business credit cards, and vehicle financing. Additionally, this role will identify members' needs for commercial real‑estate financing.
• The position will also focus on increasing new deposits, both interest‑bearing and non‑interest‑bearing, while cross‑selling treasury management services.
• As the primary relationship manager, you will oversee a portfolio of small business customers with annual gross sales ranging from…