Senior Commercial Lender

Job Summary

As a Senior Commercial Lender at East Rise Credit Union, this role is responsible for driving the strategic growth of commercial loan and deposit portfolios while supporting the financial well‑being of the communities we serve. With 8–10 years of commercial lending experience, the position focuses on originating and managing complex credit relationships, expanding business through proactive networking and community engagement, and deepening existing member partnerships.

The Senior Lender serves as a visible and trusted representative of East Rise, embodying its mission and values both professionally and personally, while maintaining accountability for portfolio performance, risk management, and long‐term relationship development.

• 60% Serves the commercial banking needs of East Rise Credit Union members by delivering tailored financial solutions rooted in a deep understanding of each business’s goals and challenges. Builds long‑term, trust‑based relationships by customizing lending, cash management, and deposit strategies that align with members’ evolving needs. Acts as a strategic advisor, structuring competitive and practical financing packages that add value to the portfolio and contribute to sustainable growth through high‑quality lending opportunities.
• 15% Monitors the performance of the existing commercial loan portfolio to ensure asset quality and regulatory compliance. Maintains accurate and up‑to‑date member files, including financial statements, cash flow projections, and loan documentation. Communicates appropriate risk ratings and maintains regular contact with members to ensure East Rise continues to meet their financial needs effectively.
• 15% Analyzes current market trends and economic indicators to identify emerging opportunities and inform lending strategies. Provides data‑driven insights to support portfolio expansion and enhance East Rise’s competitive positioning in the commercial lending space.
• 5% Responds promptly to member inquiries and concerns related to commercial loans, ensuring a high standard of service and satisfaction throughout the loan lifecycle.
• 5% Assists in the collection and resolution of past‑due loans, balancing member support with the protection of the Credit Union’s financial interests.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

• 8 to 10 years of similar or related experience, including preparatory experience.

• A college degree.

• The ability to motivate or influence internal or external senior‑level professionals is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior‑level dialogues, as well as a professional level of written communication skills, are essential to the position.

• Must be at least 18 years of age. Favorable Background, Credit, Criminal, Bondability, and Reference Checks required. (Motor Vehicle check dependent on position.) Travel to other branches or locations may be required depending on position.
• Must have experience in analyzing business financial statements and assessing the viability of businesses; must have excellent communication and PR skills; ability to use related software required.

• Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing/descending stairs in an emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 4–6 hours per day. Must be able to work extended hours whenever required or requested by management.
  
  Must be capable of regular, reliable and timely attendance.

• Must be able to routinely perform work indoors in climate‑controlled private office with…