Commercial Loan Officer II or III

Commercial Loan Officer II / III

Are you an experienced Commercial Loan Officer with a strong commitment to member service? This role requires lending expertise to originate and offer commercial loan products that support our members’ financial well‑being. It’s ideal for someone who enjoys collaboration and building strong member relationships.

• Originating, evaluating, negotiating, underwriting, and preparing new Member Business Loan applications, with a strong emphasis on commercial real estate and commercial C&I lending.
• Serving as the primary point of contact for developing new Member Business relationships throughout Washington, Oregon, and Idaho, building and maintaining a strong referral and business network.
• Conducting comprehensive credit analysis by compiling, analyzing, and verifying financial statements, tax returns, collateral documentation, and other relevant information to structure sound lending solutions.
• Interviewing loan applicants to assess creditworthiness and business viability; clearly communicating loan structures, pricing, terms, collateral requirements, and approval conditions.
• Presenting well‑structured loan recommendations to management and/or the Commercial Loan Committee and communicating approval conditions to members.
• Ensuring loan packages are completed, accurate, and compliant with internal policy and regulatory requirements prior to closing.
• Adhering to fraud prevention protocols, HMDA requirements, and all applicable federal and state regulations governing commercial lending.
• Utilizing lending systems to process, close, and maintain loans while ensuring data integrity and confidentiality of member information.
• Proactively managing a portfolio of commercial loans by maintaining ongoing relationships with members, monitoring credit performance, identifying risk, and resolving post‑closing issues to maintain portfolio quality.
• Providing exceptional member service by responding promptly to inquiries, explaining credit decisions professionally, and delivering a high standard of relationship management.
• Designing and structuring complex loan transactions, including tailored terms and covenants, to mitigate risk to the organization.
• Mentoring and supporting junior lenders and providing insight into portfolio strategy and risk trends.

• Educational requirement: Bachelor’s degree in business with an emphasis in accounting, finance and/or economics.
• Experience (Commercial Loan Officer II): Minimum 3 years of relevant commercial lending sales experience; knowledge of loan documentation, investor and commercial lending regulations, and business loan products.
• Experience (Commercial Loan Officer III): Minimum 8 years of relevant commercial lending experience; knowledge of loan documentation, investor and commercial lending regulations, and business loan products.
• Relevant experience may be substituted year-for-year for the educational requirement.

Commercial Loan Officer II: $ annually plus commissions, plus an annual discretionary incentive plan.
Commercial Loan Officer III: $ annually plus commissions, plus an annual discretionary incentive plan.

330 Union Ave, Olympia WA. Employee must reside and perform all work in the state of Washington. This is a work‑from‑home/hybrid position with occasional on‑site training, meetings, and organization events.

Monday through Friday, 8:30 a.m. to 5:30 p.m., full‑time minimum 40 hours per week with scheduling flexibility to meet service needs.

• Medical, Dental, Vision, and Life Insurance with premiums paid by WSECU
• General leave and sick leave accrue monthly for full‑time employees; part‑time employees accrue monthly
• 11 paid holidays, employer paid
• Long‑Term Disability & Long‑Term Care plan for full‑time employees; employer paid Long‑Term Care plan for part‑time employees
• 401(k) with 8.5% contribution by WSECU starting in the 1st quarter after 1 year of service
• Paid Volunteer Leave
• Tuition Assistance
• Employee Assistance Program & Employee Discounts

We champion our employees’ unique differences because we believe diversity is critical…