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Credit Union ONE has a Commercial Lender opportunity within our Commercial Loan department. The Commercial Lender is responsible for originating and growing commercial loans and commercial deposits by creating relationships with local business owners and promoting Credit Union ONE as a source of commercial lending. Ensures ongoing soundness and complete conformity with credit terms. The Commercial Lender is expected to retain and manage commercial transactions and portfolio relationships with the highest level of professionalism and maintain strong working relationships with the credit team, business members and other internal and external partners. Must be able to successfully interact with commercial senior leadership, business members and prospects on a professional level.
Primary Responsibilities:

• Responsible for assigned commercial portfolio and origination of new commercial loans through multiple sources internal and external; negotiate workout scenarios.
• Develops new business by contacting prospects and business members, promoting credit union products and services.
• Review credit proposals for approval and exercise credit authority within delegated lending limits.
• Ensure overall soundness of assigned loan portfolio.
• Build rapport with internal and external centers of influence.
• Monitor commercial overdrafts, portfolio delinquencies and collection efforts.
• Ensure collection of financial information used to determine borrower's creditworthiness.
• Stay abreast of changes to policies, procedures, NCUA, SBA, Federal, and State regulations as they pertain to the Credit Union industry and area of responsibility.
• Maintains the highest level of product and service knowledge including all benefits and features as well as all operational/systems issues related to offering, selling, and booking or engaging in transactions for such products and services.
• Creates and delivers presentations to prospects, business members, employees, and senior management.

Requirements:

• Bachelor's degree from a four-year college or university in Business Administration or related field of study; Minimum of seven years of work-related experience; or the equivalent combination of the experience and education. Work related experience must include Commercial Lending portfolio management.
• Proven record of Commercial Business Development success.
• Experience with Commercial Lending and Commercial Cash Management regulations and compliance.
• High level of local market knowledge (Southeast Michigan).
• Understanding of commercial lending laws and regulations.
• Excellent organizational and time management skills.
• Passion and commitment to great member service and ability to lead by example by consistently delivering the service process to every member, employee, vendor and members of the community serviced by Credit Union ONE.
• Strong communication skills

This is a hybrid position with the option of working out of the Ferndale office (headquarters). Applicant needs to live in the service area within Michigan. Excellent benefit package including incentives.
Equal Opportunity Employer
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