Business Lending Specialist - Community Impact & Growth

Vermont-Federal-Credit-Union; Middlebury (VT); On-site; USD 76,000 - 113,000; Full time

Job summary

Vermont Federal Credit Union in Middlebury, VT is seeking a Business Loan Officer to help local members grow their businesses. You will work with branch staff and business owners to generate loans, deposits, and related services.

The role requires a minimum of 3 years business lending experience and strong credit skills, including loan structuring and financial statement analysis. The position emphasizes a collaborative, community-focused workplace and opportunities to contribute to Vermont

Qualifications

• Minimum of 3 years business lending experience.
• Credit skills including loan structuring and financial statement analysis as it relates to small business.

Responsibilities

• Work with branch employees and business owners to generate business loans, deposits, and services from current and potential members.
• Prepare credit analyses for borrowing requests, analyzing historical and projected cash flow and assess business viability through interviews with business owners, review of loan application, and supporting financial documents.
• Assess overall credit risk based on Vermont Federal's credit policy and risk guidelines; including proper loan structuring and credit package preparation.
• Conduct the closing of business loans including the review of documents.
• Participating in community involvement activities to enhance Vermont Federal’s visibility, image and reputation.
• Perform ongoing portfolio management through site visits, annual reviews and monitoring. Work closely with the business lending support team to monitor collateral and other pending items.

Skills

Credit skills

Loan structuring

Financial statement analysis

Job description

Vermont Federal Credit Union in Middlebury, VT is seeking a Business Loan Officer to help local members grow their businesses. You will work with branch staff and business owners to generate loans, deposits, and related services.

The role requires a minimum of 3 years business lending experience and strong credit skills, including loan structuring and financial statement analysis. The position emphasizes a collaborative, community-focused workplace and opportunities to contribute to Vermont