VP, Business Lending

In our Business Lending department, we go beyond just writing a loan; it’s about building lifelong valued relationships and constructing opportunities so our members can reach their business goals. As the VP, Business Lending, you will successfully expand Dupaco’s presence in the Des Moines, IA community and surrounding area. You have a wealth of knowledge from years of experience with C&I lending and real‑estate lending and want to share your passion for helping people, businesses, and communities grow.

• Rooted In Trust
• Empathetic Understanding
• Strengthening Relationships
• Advocate for All
• Invest in You

• Create and maintain collaborative internal and external relationships through internal peer groups, focus groups, and industry or community organizations both regionally and nationally.
• Monitor current trends and insights from surveys and other voice of the employee and member methods.
• Provide quality service to members, potential members, and coworkers.
• Demonstrate teamwork and professionalism in all interactions with coworkers.
• Promote a professional image of the credit union at all times.
• Proactively establish and maintain connections within the communities we serve to build the commercial book of business (via community events, networking, social media, email, etc.).
• Work with other areas as needed for member issues and needs, including Business Services, Business Lending Processing, DFS/DIS, and others.
• Demonstrate effective selling skills and behaviors including loan fee generation, loan portfolio growth, business deposit generation, and referrals to Business Services.
• Establish and negotiate business loans, informing members of terms, costs, repayment schedules, and collateral requirements.
• Make proactive calls to deepen existing relationships and build new business relationships.
• Periodically collect and analyze information that reflects current credit worthiness of applicants (direct inspection, financial statements, personal interview).
• Monitor loan repayment activities and assist in collecting past‑due accounts as needed.
• Serve as a resource for team questions and assist with training and development of co‑workers as assigned.
• Meet portfolio management metrics including financial exceptions, borrowing bases, annual reviews, and line of credit renewals.
• Use job knowledge to avoid challenges and deescalate as necessary.
• Complete borrower onboarding, assembling background information, financial statements, and other documents to evaluate credit worthiness.
• Support loan requests through the Internal Business Loan Committee with a complete package and credit recommendation.
• Have moderate to advanced credit and lending skills; may require assistance with loan structure for complex credits.
• Serve as a relationship manager and facilitate discussions with members on all matters related to other credit union services (deposit services, insurance, financial planning).
• Manage transaction processes from initial engagement through final close, including structure, pricing, internal approval/compliance processes, and documentation.
• Aggressively grow and maintain a profitable book of business by successfully closing deals to meet or exceed revenue, contribution, fee income, loan and deposit goals.
• Perform other duties as assigned.

• Bachelor’s Degree in a related field or equivalent experience.
• 5+ years’ experience in business lending.
• Excellent verbal and written communication skills.
• Thorough knowledge of business financial statements and cash flow analysis.
• Thorough knowledge of laws and regulations governing business lending practices and collection practices.
• Excellent ability to systematically gather, read, retrieve, and interpret data to make effective decisions.