Commercial Loan Officer

Lake Forest
300 North Field Drive
Lake Forest, IL 60045, USA

Lake Forest
300 North Field Drive
Lake Forest, IL 60045, USA

Join Our Commercial Lending Team at Consumers Credit Union!

Consumers Credit Union (CCU) is looking for a driven Commercial Loan Officer to help us build lasting business relationships and expand our lending portfolio. As a Great Place To Work certified financial institution, we pride ourselves on empowering our employees while making a real difference in the communities we serve.

As aCommercial Loan Officer,you will identify midsize commercial loan prospects across our target area from Chicago to Milwaukee and west to Rockford. You'll originate and maintain a portfolio of profitable, high-quality loan and deposit relationships primarily in commercial real estate with some C&I lending.

In This Role, You’ll

• Build Relationships: Solicit and develop commercial loan business from application, analysis, presentation, to close. You’ll work to obtain information regarding the financial condition of the applicant to evaluate and recommend suitable options.
• Drive Growth: Achieve sales objectives while assessing the risk of the loan to minimize loss.
• Be a trusted advisor: Develop communications and presentations that will help in providing thoughtful advice and guidance on CCU products and services to support members’ business needs.
• Mitigate Risk: Monitor existing loan portfolio to maintain asset base. You’ll monitor and ensure risk ratings of the credits in your portfolio are appropriate, and management is properly informed of any changes to the condition of the loans.
• Protect & Support:
  Actively manage the collection of past due loans and work with members whose financial condition is performing negatively including any legal and/or litigation procedures. Assist members with loan-related questions.
• Engage the Community: Represent CCU at networking and community events to grow your pipeline and strengthen local connections.

What We’re Looking For

We want someone who’s not just experienced but also ambitious, relationship-driven, and eager to grow with us. Ideal candidates will bring:

• Experience: 5+ years of commercial lending and credit analysis (or 8+ years without a degree). A bachelor’s in business, finance, or related field is preferred.
• Proven Results: A successful existing Book of Business – primarily in CRE.
• Growth Mindset: Ability to generate $7-9 million in new loan growth annually, with a go-getter attitude and a strong drive to succeed.
• Connector Skills: Demonstrated success generating business through quality referrals, realtors, loan brokers, CPA’s and other business contacts.
• Communication Strength: Strong verbal/written skills and the ability to prepare clear, detailed loan presentations.
• Negotiation & Collaboration: Experience exploring alternatives through collaboration. Skilled in finding win-win solutions that serve both borrowers and CCU.
• Team Focus: A commitment to collaboration and putting organizational goals first.

Compensation

This role is budgeted for an annual salary of $140,000 and is eligible for sales incentives. A specific salary offer considers factors including but not limited to skill sets, experience and training, licensure and certifications, and other business and organizational needs. Compensation decisions are dependent on the facts and circumstances of each case.

Consumers Credit Union provides eligible employees an opportunity to participate in our medical (High Deductible, HMO and PPO), dental, vision, spending accounts, short-term disability, long-term disability, life insurance and other plans effective date of hire. You will be eligible to participate in the 401(k) savings plan at any time. You will be automatically enrolled in the pension plan following six months of employment and 1,000 hours of service and reaching age 20.

Founded in 1930 and headquartered in Lake Forest, IL, Consumers Credit Union has $4.3 billion in assets and serves more than 260,000 members, making it one of the largest credit unions in the state. CCU believes that nobody needs banks on every corner, but everyone needs people who are in their corner. We’ve been recognized as a Great…