Commercial Relationship Officer- Bluegrass Market

Role

By emphasizing ONE Park, ONE Mission, One Team, the Commercial Relationship Officer builds and manages member relationships to meet their commercial lending and deposit needs in the designated market while driving credit union growth. This role involves originating, monitoring, and renewing loan and deposit relationships, analyzing financial data, and ensuring compliance with policies and regulations. The officer actively participates in community events, prepares loan proposals, monitors portfolio performance, and identifies potential credit risks.

Additionally, this position cross-sells credit union products, supports member service needs, and collaborates with staff and management to achieve organizational objectives.

• Collect, review, and analyze financial and related data to determine if the loan request, member, and/or collateral meet credit union standards. Prepare and submit loan request narrative. Establish and negotiate the terms under which the loan will be made to include rate, fees, term, and loan structure. Grow deposits in accordance with credit union’s budget. Work with processing staff on all third-party order requests.
  
  Review all documentation generated for closing to ensure accuracy and compliance.
• Actively work to grow credit union member business lending presence including building relationships within the market, professional groups, select employee groups and credit union staff. Participate in credit union community development or education events providing commercial lending expertise. Prepare for member sales calls, make sales calls, and provide call follow-up. Create and deliver loan proposals to members.
• Monitor the performance of the existing loan portfolio including following up with past due loans. Proactively work maturing loans. Recognize potential problem credits and bring them to the attention of management. Assist in gathering required documentation for annual reviews and other loan covenant monitoring. Monitor and enhance the profitability on all assigned relationships. Work other reports as needed.
• Maintain up to date knowledge of regulations, rules, policies and procedures governing all classes of loans with focus on Commercial Lending. Advise manager of any changes that may affect credit union processes to limit risk or loss.
• Maintain knowledge of credit union products and services and look for cross sell opportunities which will benefit the member’s financial needs. Cross-sell services such as business checking products and refer business or property owners to the branches for consumer deposit and loan products. Provide service as required by the member’s availability including needs that may require appointments or follow-up outside of traditional business hours.
• Perform other duties as assigned.

• To be an ambassador of Park's culture supporting the credit union's mission to build thriving communities together ensuring words and actions align with the Park VIBE that defines our Core Values:
  Vibrant Connections, Inclusive Excellence, Bold Compassion, Endless Empowerment.
• To provide friendly, professional and accurate service and support to all members and coworkers.
• To originate new commercial loan volume as established by credit union goals.
• To prepare loan request narrative within 3 days of receipt of all documents/loan information.
• To return all calls within 2 hours of receipt.
• To cross sell credit union products and services.
• To maintain working knowledge of all business products and rates, both within the credit union and from the industry overall.
• To follow the credit union’s Bank Secrecy Act and anti-money laundering policies and procedures, including running OFAC searches, completing investigative reports of suspicious activity and currency transaction reports timely and without error.
• To maintain a professional work environment, promote teamwork, build respect among coworkers and present a businesslike appearance.
• To follow all security policies and procedures and report discrepancies or suspicious activity to manager immediately.

Experience Three to five years of similar or…