VP - Commercial Loan Officer Z3

VP Commercial Loan Officer

Do you thrive on building relationships, driving business growth, and structuring complex lending solutions? Become a VP Commercial Loan Officer at Royal Credit Union! In this role, you'll develop a dynamic commercial portfolio, cultivate strong partnerships, and deliver tailored financial solutions that help businesses succeed.

• Member and Community Focused:
  We are dedicated to making a positive impact on our Members and the communities we serve, going beyond financial services to enrich lives and foster growth.
• Supportive Environment:
  Join a collaborative, values-driven workplace that is always evolving. We support each other and work together to achieve our goals.
• Professional Growth:
  We offer numerous opportunities for training and advancement, helping you continuously develop and advance your skills.
• Empowerment:
  We empower our team members to make decisions and drive initiatives that help our Members achieve their financial goals. Your ideas and contributions are valued and encouraged.
• Community Involvement:
  Engage with your local community through various initiatives and events, making a tangible difference where you live and work. Be part of something bigger.

What You'll Do:

Responsible for developing and managing a complex portfolio of diverse, quality, and profitable commercial and commercial real estate loans and deposits, and treasury/cash management services. This position is primarily responsible for loan production including business development, networking, and relationship management. Develop and maintain strong relationships with COI's, existing member networks, community leaders, and other partners. Analyze and evaluate loan applications and make appropriate recommendations regarding product offerings, loan structuring, pricing, and approval.

Participate in overall credit/risk management, portfolio management, and servicing of assigned portfolio. Ensures compliance with lending policies and procedures. Actively collaborate with other Royal Team Members to help meet Members' specific commercial lending, commercial real estate lending, and deposit and treasury/cash management needs.

Our Commitment To You:

• Compensation:
  This is a salaried position; candidates with significant related experience may be higher. Pay may also depend on candidates' location. MN range: $125,000- $160,000
• Benefits:
  Royal is proud to take care of our team members and their families! In addition to our comprehensive medical, dental, and vision insurance plans, Royal offers a 5% 401k employer match, paid family and sick leave, vacation and sick time accruals, childcare reimbursement, tuition and student loan debt assistance, pet insurance, and much more!

What's Needed For This Position:

• Bachelor's Degree in Finance, Accounting, Business, Economics or related field or equivalent business lending work experience
• Three (3) years of Commercial Lending experience
• Must be bondable
• Valid Driver's License and maintain it
• Insured vehicle
• Expertise in Commercial Lending & Credit Analysis:
  Strong ability to evaluate financial statements, business plans, and credit risk, including loan structuring, underwriting, and portfolio management.
• Business Development & Relationship Management:
  Proven ability to generate leads, build networks, and maintain strong relationships with Members, community partners, and centers of influence.
• Analytical & Decision-Making
  
  Skills:
  
  Advanced critical thinking skills to interpret data, assess risk vs. reward, and make informed, timely decisions in complex situations.
• Communication & Presentation
  
  Skills:
  
  Excellent verbal and written communication skills to clearly articulate financial solutions, present to committees, and influence stakeholders.
• Technology & Organizational Proficiency:
  Skilled in using digital banking tools and Microsoft Office applications, with strong time management and the ability to prioritize in a fast-paced environment.

We'd Love To See:

• Specific Banking and Commercial Lenders education. i.e. Graduate School of Banking, Robert Morris Commercial Lending Courses, CUNA.
• 5-10+ years of Commercial and Commercial Real Estate Lending experience

Work Schedule:

• Thi…