Loan Officer II - Business Lending

Loan Officer II – Business Lending

This position is responsible for originating, managing, and closing business lending loan opportunities with a primary focus on inbound small business lending and commercial loan requests. The Loan Officer II – Business Lending role is designed as an entry-level commercial lending production position that allows the employee to develop technical lending expertise, credit structure knowledge, relationship management skills, and production discipline while supporting the credit union's broader business lending growth strategy.

The position serves as the primary point of contact for assigned business members and prospective borrowers from the initial introduction and discovery conversation through loan closing. The role is responsible for gathering and reviewing preliminary financial information, identifying appropriate credit union lending solutions, coordinating with inputting, underwriting, processing, closing, and other internal partners, and ensuring a positive borrower experience throughout the loan process.

In addition to originating new business lending loans, this position will manage a portfolio of existing commercial relationships. The Loan Officer II – Business Lending will be expected to maintain regular contact with assigned members, foster and deepen existing relationships, identify opportunities for additional lending, deposit, treasury management, and referral opportunities, and support long-term member retention and relationship growth.

This position is intended to provide a development path toward handling larger and more complex commercial lending transactions over time. The primary scorecard metric for this role will be unit-based, focused on the number of business lending and commercial loans successfully closed.

Essential Job Functions

• Originates business lending and commercial loan opportunities, with a primary focus on inbound business lending requests.
• Serves as the primary relationship contact for business lending borrowers from initial introduction through loan closing and fosters and deepens these relationships after closing.
• Conducts initial borrower discovery conversations to understand business background, ownership structure, financing needs, repayment sources, collateral, and overall loan purpose.
• Reviews and organizes borrower-provided information to support initial loan evaluation and internal underwriting review.
• Structures and advances business lending opportunities in alignment with credit union lending policies, risk appetite, and production strategies.
• Coordinates with underwriting, processing, closing, servicing, and other internal departments to support a seamless member experience from application through closing.
• Maintains an active pipeline of assigned business and commercial lending opportunities.
• Manages a portfolio of existing commercial relationships and maintains consistent member contact through calls, meetings, relationship reviews, and follow-up.
• Identifies opportunities to deepen existing commercial member relationships, including additional lending needs, deposit relationships, treasury management services, and partner referrals.
• Supports growth of the credit union's business lending portfolio by fostering long-term relationships with business members and prospective borrowers.
• Works toward development as a commercial loan officer capable of handling larger and more complex lending transactions.
• Achieves assigned annual and periodic production goals, with a primary scorecard emphasis on the number of business lending and commercial loans closed.
• Reviews loan documentation to ensure consistency with loan approval requirements and proper collateral perfection and lien position.
• Organizes and manages the loan process through internal systems, including Sageworks and other department-specific systems.
• Supports operations, risk management initiatives, and a strong control environment.
• Maintains professional and community relations to increase the credit union's visibility and enhance new business opportunities.
• Keeps well informed of the financial industry, business lending trends, market conditions, and competition.
• Demonstrates…