Commercial Lending Relationship Manager

Sierra Central Credit Union; Yuba City (CA); On-site; USD 81,000 - 99,000; Full time

Benefits offered by this job

Medical, Dental & Vision Insurance

401(k) Retirement Plan

Paid Time Off

Travel Expense Reimbursement

Telemedicine / Teladoc services

Job summary

Sierra Central Credit Union in Roseville, CA seeks a commercial lending professional to originate and service a diverse portfolio of conventional, CRE, SBA and C&I loans in a start-up environment.

You will develop and manage commercial loan relationships, assess credit needs, structure solutions, and help maximize profitability with minimal risk while ensuring compliance with NCUA policies.

Qualifications

• Proven ability to successfully develop new business and expand existing relationships.
• Proven ability to work with potential commercial lending relationships to identify needs and secure financial data for analysis, making proposals for new business.
• Proven track record in sales ability and aptitude in the area of business development.
• Ability to grow loan portfolio by marketing and managing commercial and MBL loans.
• Ability to assist prospective and current business owners with credit needs and formulating solutions to credit related issues.
• Must have strong verbal and written communication skills.
• Ability to meet deadlines while maintaining a high attention to detail.
• Must possess strong sales skills and a proven negotiating ability.
• Must know all the products and services of the credit union regarding loan products and be able to describe them in detail.

Responsibilities

• Develops new business and expands existing relationships.
• Make calls on potential new commercial lending relationships, identifies needs, secures financial data for analysis and makes proposals for new business.
• Grows loan portfolio by marketing, making and managing commercial and MBL loans.
• Assists prospective and current business owners with credit needs and with formulating solutions to credit related issues.
• Reviews existing member relationships for opportunities to meet additional needs with other products or services, makes proposals as appropriate.
• Interviews business loan applicants gathering credit application information to determine business needs.
• Explains loan options, rates, terms and collateral requirements, cross-selling other applicable SCCU products and services.
• Communicates and negotiates credit terms and repayment schedules within established guidelines.
• Compiles loan proposal information and presents loans which exceed credit authority to loan committee for recommendation and approval.
• Maintains current knowledge of commercial and MBL loan products and services as well as knowledge of the markets within the credit union’s footprint.
• Manages all loans within the loan portfolio and performs ongoing monitoring and risk rating functions.
• Responsible for identification and evaluation of deteriorating loan situations in order to minimize losses.
• Ensure all business loans are compliant with credit union policies, procedures, NCUA, federal and state regulations.
• Ensure all assigned production goals are met on a regular basis.
• Represent the credit union at various community functions.
• Other duties as assigned.

Skills

Business development

Relationship building

Sales ability

Credit data analysis

Negotiation skills

Education

Bachelor’s degree in business-related field

Job description

Sierra Central Credit Union in Roseville, CA seeks a commercial lending professional to originate and service a diverse portfolio of conventional, CRE, SBA and C&I loans in a start-up environment.

You will develop and manage commercial loan relationships, assess credit needs, structure solutions, and help maximize profitability with minimal risk while ensuring compliance with NCUA policies.