Commercial Loan Officer II

HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health of people in under-resourced Deep South communities. Since 1994, these efforts have benefited more than three million people in Alabama, Arkansas, Georgia, Louisiana, Mississippi, and Tennessee, and influenced billions in persistent poverty communities across the nation.

Learn more at https://www.hopecu.org/.

• Title:
  
  Commercial Loan Officer II
• Reports To:
  
  Regional Business Sales Manager, VP-Southern Region
• Job Classification:
  Full-time, Exempt

Position Summary

The Commercial Loan Officer II is responsible for developing, originating, underwriting, closing, and managing commercial loan relationships that support the growth and profitability of Hope Credit Union. This position focuses on building strong relationships with business members, referral sources, and community partners while maintaining a high-quality commercial loan portfolio. The Commercial Loan Officer II evaluates credit risk, structures lending solutions, monitors portfolio performance, and ensures compliance with all regulatory and credit union lending policies.

Responsibilities:

Business Development & Relationship Management

• Develop and maintain an active referral network of business professionals, community partners, commercial real estate professionals, and co-lending partners to identify new lending opportunities.
• Generate new commercial loan and deposit relationships through proactive calling efforts, networking, community involvement, and member referrals.
• Cultivate and strengthen relationships with existing business members to identify opportunities for additional financial products and services.
• Serve as a trusted advisor to business members by understanding their financial goals and providing appropriate lending and treasury management solutions.

Loan Origination & Underwriting

• Meet with prospective and existing members to identify financing needs and recommend suitable loan structures.
• Analyze financial statements, tax returns, cash flow projections, collateral values, and other supporting documentation to assess creditworthiness.
• Collaborate with credit analysts and internal partners to evaluate loan requests, identify risks, and develop sound lending recommendations.
• Prepare and present commercial loan packages for approval in accordance with established lending authorities and policies.
• Facilitate loan closings by coordinating with members, legal counsel, title companies, and other third parties.
• Manage an assigned commercial loan portfolio to maintain asset quality, member satisfaction, and profitability.
• Monitor member financial performance, loan covenant compliance, collateral sufficiency, and overall credit risk.
• Conduct annual relationship reviews, financial analyses, and risk assessments to ensure continued credit quality.
• Perform periodic site visits, business inspections, and collateral reviews as required.
• Proactively identify potential problem credits and develop action plans to minimize risk and protect credit union assets.
• Ensure all loans are properly structured, documented, and maintained in compliance with internal policies, regulatory requirements, and lending guidelines.
• Maintain accurate and complete loan files and supporting documentation.
• Monitor portfolio performance and delinquency trends, recommending corrective actions when necessary.
• Participate in loan review and audit processes and respond to findings as appropriate.
• Stay current on commercial lending regulations, industry trends, and credit union products and services.

Cross-Selling & Member Service

• Promote and refer business members to additional Hope Credit Union products and services, including treasury management, deposits, business accounts, merchant services, and other financial solutions.
• Work collaboratively with retail, mortgage, wealth management, and operations teams to deliver exceptional member service.
• Facilitate access to external technical resources when appropriate, including accounting, legal, engineering, marketing, and management consultants.

Qualifications

Required:

• High School Diploma or GED, or e quivalent combination of education and experience may be considered
• Minimum of 3-5 years of commercial lending or commercial banking experience.
• Demonstrated experience in commercial credit analysis, underwriting, and portfolio management.

Preferred:

• Bachelor's degree in Finance, Business…