Commercial Lender

Job Summary:

The primary purpose of this position is to assist Highmark Credit Union in living out our Mission, “To educate and inspire our Highmark family so that all can achieve success.”   This is done by providing outstanding service to both internal and external members. A key component of this service is to identify the needs of each member you assist and suggest the credit union products and services that will improve their financial life.

In addition, the Commercial Loan Officer 1 is responsible for activities that complement the commercial department with regards to current and potential members. The position is responsible for analyzing the financial condition of individuals and businesses applying for commercial credit, and making recommendations to the Commercial Loan Officer ll/AVP Commercial Lending/Loan Review Committee for approval. This position is primarily responsible for analyzing less complex loan renewals and new loans as well as analyzing other requests for existing members.

Essential Functions:

• Manages loan applications and prospective members assigned that involve less complex loan screening and analysis.
• Conducts thorough, comprehensive business and organizational analysis to form an understanding of that business’s health, capacity and capability to appropriately utilize and fully repay its loan in a timely manner.
• Analyzes economic and market data.
• Works collaboratively and cooperatively with other staff to complete loan transactions, promote internal teamwork, facilitate learning and enable the loan department’s effectiveness.
• Ability to manage expectations and changing priorities.
• Assists the Loan Officers in maintenance and development of key channel relationships. Identifies prospective and current accounts to establish or enhance the Credit Union’s brand.
• Gain a full understanding of the account’s needs, evaluates appropriate lending relationships and educates accounts on the benefits of working with the Credit Union.
• Assist Loan Officers in the establishment of annual review and follow-up mechanisms to best service accounts.
• Maintains a current understanding of Credit Union procedures and policies.
• Other duties as assigned by CLO.

Professional Behavior:

• Effectively plan, organize workload, and schedule time to meet the demands of the position.
• Fulfills service promises to all people.
• Work in a cooperative and professional manner with Highmark CU staff.
• Treat all Highmark CU members and potential members with dignity and respect at all times.
• Exemplify excellent customer service with all members, potential members and staff.
• Consistently demonstrate respect for and acceptance of differing capabilities, cultures, gender, age, sexual orientation, and/or personalities.
• Relate well and work collaboratively with coworkers and all levels of staff in a professional manner.
• Maintain and ensure organizational privacy and confidentiality.
• Be self-directed and take proactive initiative to assist others.
• Embrace modes of appearance and attire that reflect a professional presence.

Physical Demands/Work Environment:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  This position is sedentary with some standing and walking required. Employee must be able to talk and hear and must be able to life up to 10 pounds.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Minimum Qualifications:

• Bachelor’s degree in Business Administration, Accounting, Finance or similar field and a minimum of 2 years of professional business experience in financial services or lending/loan
• Commercial lending and/or commercial analysis preferred
• Knowledge of consumer, commercial and real estate lending practices and procedures
• Knowledge of Credit Union services and products including the legal and regulatory requirements
• Demonstrated analytical and problem-solving skills
• Must pass required background check