Commercial Lending Officer

Job Description

Job Description

Commercial Lending Officer

Location : Blue Ash, OH (On-Site)

Pay : $110,000-140,000 (compensation can vary depending on experience) + Benefits, Community Involvement, PTO, 401k match (10% dollar for dollar), Roth contribution

General Overview

The Commercial Lending Officer is responsible for developing new commercial business and expanding existing commercial customer relationships. The role involves originating and servicing a variety of commercial and commercial real estate loans, maintaining compliance with lending policies and regulatory requirements, and managing a high-quality loan portfolio to minimize losses.

Responsibilities

• Contact viable leads and existing clients to identify and pursue new lending opportunities
• Understand and effectively articulate the credit union’s products, services, and value propositions
• Network and build strong centers of influence (COIs) to generate opportunities aligned with growth strategy
• Build, maintain and manage relationships within an assigned book of business; aim for deposit growth objectives while ensuring excellent member service
• Maintain professional, prompt communications throughout the loan process with COIs, applicants, vendors, colleagues
• Manage the portfolio : renewals, modifications, etc.
• Evaluate, analyze, and interpret financial data to assess creditworthiness and risks
• Counsel members during the loan process, negotiate terms, and structure loans appropriately
• Stay current on market trends to propose competitive financing solutions
• Ensure all loans comply with internal lending policies and external regulatory requirements Represent the credit union in community and external activities to promote services and enhance public image
• Collaborate internally to ensure efficient loan processing
• Perform other supporting duties as needed

Requirements