Commercial Credit Administrator and Troubled Asset Coordinator

Take a leap and join our team! At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. It’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

About - Gesa Credit Union

The Commercial Credit Administrator and Troubled Assets Coordinator will be responsible for the review of credit submissions for Commercial Banking as well as the day-to-day management of special assets/troubled credits. This position will also provide mentoring and training to underwriters as needed, ensuring processes are understood and followed. Additionally, this role will conduct financial reviews, assist with audit requirements, and monitor/follow up on the collection of past‑due loans.

• Review commercial and SBA loan submissions to ensure credit underwriting standards are maintained to align with the commercial credit culture, risk tolerance and concentration limits of the credit union.
• Conduct on‑going reviews of the credit union’s portfolio through the annual credit review process to proactively identify potential credit risk and/or signs of deterioration within the commercial and SBA portfolios.
• Conduct financial statement spreading reviews for consistency and accuracy within the underwriting process.
• Monitor asset‑based lines of credit.
• Mentor and train credit underwriters.
• Follow up on the collection of past‑due commercial and SBA loans.
• Develop, follow up and monitor quarterly problem loan reports.
• Provide recommendations for adjustments to risk grading of commercial and SBA credits.
• Complete and monitor covenant waivers.
• Partner with internal and external legal counsel to facilitate the work‑out of troubled assets for timely and effective resolution.
• Contribute to all required audit and exams including regulatory examiners, third‑party loan reviewers and auditors, internal audit, and internal quality assurance and quality control teams.
• Work effectively and collaboratively across all commercial and credit union departments.
• Recommend process improvements based on analysis of current workflows.
• Maintain understanding of all internal credit union guidelines & policies as well as all state and federal requirements.
• Keep abreast of national and local economic news.
• Maintain and protect all sensitive data using the highest standard of confidentiality and professionalism.
• Display leadership values such as mutual respect, honesty, trust and dignity, and act in the best interest of the credit union.

• Exceptional attention to detail and accuracy in commercial credit and documentation.
• Strong analytical skills to assess credit risk and develop data‑driven decisions.
• Ability to prioritize, organize and respond to multiple tasks and competing requests.
• Consistently present a professional demeanor and image to internal and external members.
• Excellent customer service attributes.
• Effective communication of ideas and information, both orally and in writing.
• Promote and participate in a cohesive team environment.

• Bachelor’s degree in finance, accounting, or a related field preferred.
• Minimum of five (5) years of commercial lending experience, credit administrative and/or experience with troubled/special assets preferred.
• Minimum of seven (7) years of experience in the financial services industry preferred.
• Thorough working knowledge of the financial services industry, including business cash flow, lending policies and procedures, financial statements, and credit analysis.
• Proficient with standard office equipment, computer hardware, software, and Microsoft programs.

• Competitive Pay
• Medical, Dental, Vision, and Life…