Member Business Loan Officer I

Benefits:

• 401(k) matching
• Dental insurance
• Health insurance
• Vision insurance

Under the direction and supervision of the Vice President of Commercial Lending, job duties will encompass a broad-spectrum including loan origination, and processing, opening business accounts and travelling to Sunbelt branch and customer locations as needed. Approximately 20% to 30% travel. (mileage paid at the current IRS rate of 72.5 cents per mile) Providing complete lending-based services by combining the relationship management, deposit, and treasury responsibilities, along with the basic credit analysis, loan origination, and portfolio management duties of a Business Lending Associate.

This position serves as a single point of contact for small-to-midsize business clients, delivering a comprehensive banking experience that spans day-to-day transactional needs, cash management, and commercial credit solutions.

The ideal candidate thrives in a consultative, client-facing environment and is equally comfortable analyzing a borrower’s financial statements, at a basic level, as they are onboarding a new treasury management client.

None

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Develop, manage, and deepen relationships with a portfolio of small-to-midsize business clients (typically $100K-$25M in annual revenue).
• Conduct business needs analyses to identify and recommend appropriate banking products including business checking, savings, money market accounts, and merchant services.
• Onboard new business deposit clients, ensuring accurate documentation and compliance with CIP/BSA/AML requirements.
• Cross-sell treasury management, remote deposit capture, ACH origination, along with other business solutions.
• Partner with retail branch staff to generate referrals and expand the business client base.
• Represent the credit union at community and business networking events to build brand awareness and prospect new clients.

• Assist with the origination of commercial loan requests including term loans, lines of credit, equipment financing, and owner-occupied real estate.
• Collect and analyze business and personal financial statements, tax returns, cash flow projections, and credit bureau reports.
• Serve as a point of contact between the applicant(s)/borrower(s) and the commercial lending department - Collaborate with other Commercial Lending personnel and the Credit Union Service Organization (CUSO) to ensure timely decisioning and adherence to credit policy.
• Manage an active loan portfolio; monitor covenant compliance, renewal schedules, and early warning indicators of credit deterioration.
• Coordinate with accounting and other credit union teams to ensure smooth loan funding and proper collateral perfection.

• Maintain strict adherence to BSA/AML, CRA, Fair Lending, and all applicable federal/state banking regulations.
• Complete all required annual compliance training on schedule.
• Accurately maintain CRM data and activity logs for client interactions, pipeline, and closed business.
• Escalate fraud indicators, suspicious activity, and credit concerns through proper channels promptly.

• Bachelor’s degree in finance, Business Administration, Accounting, or a related field; OR equivalent combination of education and banking experience.
• 2+ years of experience in business banking, commercial lending, or a related financial services role.
• Working knowledge of commercial credit underwriting principles and business financial statement analysis.
• Familiarity with business deposit products, treasury management services, and lending regulations (Reg B, Reg Z, Fair Lending, CIP).
• Proficiency with Microsoft Office Suite and banking CRM platforms (Net Solutions, Ultracs, or similar).
• Excellent written and verbal communication skills; ability to present complex financial concepts clearly to business owners.
• Strong organizational skills with the ability to manage multiple…