Commercial Lender Featured Lynchburg, VA

Kaizen Lab Inc.; Lynchburg (VA); On-site; USD 60,000 - 85,000; Full time

Job summary

Kaizen Lab Inc. is seeking a Commercial Lender in Lynchburg, Virginia to assist in their mission of supporting member financial success. This role focuses on developing and maintaining relationships with business members while managing a portfolio of small business loans up to $1 million.

Additionally, the successful candidate will be responsible for originating loans, ensuring compliance with regulations, and meeting sales production goals. If you have a passion for making a difference in the community and possess strong relationship management skills, we encourage you to apply.

Qualifications

• Proven experience in commercial lending or business banking.
• Strong understanding of credit analysis and loan documentation.
• Excellent interpersonal and communication skills.

Responsibilities

• Originate and manage a portfolio of small business loans.
• Develop new and existing business relationships.
• Assist in credit presentations and annual reviews for loans.

Skills

Business relationship management

Commercial lending knowledge

Sales and customer service

Knowledge of compliance regulations

Job description

Role

The primary purpose of this position is to assist Beacon Credit Union in living out our mission, "Dedicated to Our Member's Financial Success", by delivering outstanding service to both internal and external members.

Commercial Lender will develop and maintain business affiliations with our Business Members. Actively deepens existing customer relationships through routine calling activity and develops new relationship opportunities through business development activities. Responsibilities include originating scored credit requests up to $1 million and selling products/services such as business deposit products, business credit cards, and payment solutions, as well as all other suitable solutions as appropriate. This job may require outside prospecting and sales to meet or exceed the sales production goals. Appropriately handles business banking member service issues in assigned portfolio. Actively manages relationships with branch and business line partners. Ensure compliance with all State and Federal regulations as they relate to Small Business Services in the Credit Union environment. Provides weekly sales reports to management. Adhere to all Beacon policies and procedures. Meets or exceeds service goals and standards as set forth by Management.

We're looking for people who want more than just a job – who want to make a difference in the communities where we live and work.

Major Duties and Responsibilities

• Originates, manages, and supervises a portfolio of small business loans with the overall objective of maintaining and increasing its asset quality. Develops new and existing business relationships. Reviews customer financial condition and assesses the customer's ability to re-pay the loan. Completes or directs completion of all loan documents and closes loans.
• Completes Credit Presentations and Annual Reviews for the Lending Management team and Loan Committee members.
• Works closely with Branch Managers to enhance relationships with prospective business clients and Business Lending principles to promote our products and services. Builds rapport with targeted professional groups through networking and community activities.
• Present potential loans to the loan credit committee; assists and completes analysis and credit memos with input and guidance from Loan Officers and Underwriting. Gathers documentation and monitors annual reviews for loans.
• Provides sales and service support to branch personnel, including visiting/meeting with members to assist with opening new accounts, closing loans, gathering necessary information, etc.; works with underwriting to ensure all annual reviews are completed in a timely manner.
• Understands and stays abreast of changes to BCU policies, procedures, NCUA guidelines, BSA law and regulations, and all Federal and State regulations as they relate to the Small Business Specialist role and responsibilities. Possesses thorough knowledge of Loan Policy and related Procedures and appropriate regulatory guidance. Complies with all company policies, procedures, applicable laws, and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.