Commercial Portfolio Manager

SOUTHERN SECURITY FEDERAL CREDIT UNION; Collierville (TN); Sur place; USD 60 000 - 90 000; Plein temps

Résumé du poste

SOUTHERN SECURITY FEDERAL CREDIT UNION is seeking a professional to manage commercial lending processes, including evaluation of loan requests, interviewing applicants, and handling documentation with adherence to policies.

The role involves property inspections, monitoring maturities, assisting in collections, and collaborating with branches to generate business leads while maintaining strong member relationships.

Qualifications

• Associate's or bachelor's degree in business or a related field.
• Three to five years of lending experience. Business Lending experience preferred.
• Real estate and origination background preferred.

Responsabilités

• Receives, reviews, and evaluates commercial loan requests.
• Interviews applicants, collects documentation, and explains credit policies.
• Analyzes and documents loan requests, identifying potential problems and coordinating resolutions.
• Assists in construction loan reviews and advances for commercial properties.
• Conducts property inspections and follows up on maturities and delinquencies.
• Completes lending functions in compliance with Credit Union policies and legal requirements.
• Generates commercial leads with branches and the business development team.
• Cross-sells Credit Union services and maintains professional member relationships.

Connaissances

Commercial lending evaluation

Interviewing applicants

Financial analysis

Client service

Cross-selling

Formation

Associate or Bachelor's degree in business or related field

Three to five years lending experience

Description du poste

Description

POSITION PURPOSE

Responsible for receiving, reviewing, and evaluating commercial loan requests. Meets with applicants to explain credit policies and to obtain loan information and documentation. Monitors and reviews business loans. Maintains repossessed properties and assists in collections' activities. Serves borrowers and prospective borrowers promptly and professionally. Provides general Credit Union information and cross-sells services. Assists lending personnel as needed.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

Assumes responsibility for the effective and professional completion of assigned commercial lending functions.

Interviews, takes applications, and processes preliminary documentation on business loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation with prospective borrowers.

Analyzes and evaluates loan requests and prepares documentation for consideration. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems.

Assists in review of construction loan advances on commercial properties.

Conducts property inspections as assigned.

Follows-up on all matured loans.

Assists in the collection of delinquent accounts.

Completes lending functions in accordance with established Credit Union policies and legal requirements.

Works with branch employees and business development team to generate commercial leads.

Professionally cross sells Credit Union services.

Assumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals.

Answers questions and resolves requests.

Keeps borrowers informed of Credit Union loan policies and services.

Meets with applicants whose loans are denied and explains reasons and alternatives.

Maintains and projects the Credit Union's professional reputation.

Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management.

Coordinates functions with related departments and branches and provides support as needed.

Assists lending personnel and provides support as needed.

Keeps management informed of area activities and of any significant problems.

Attends and participates in meetings and committees as required.

Completes required reports and records.

Assumes responsibility for related duties as required or assigned.

Stays informed regarding changes in lending standards and related legal requirements.

Completes special projects as assigned.

Ensures that work area is clean, secure, and well maintained.

Requirements

Associate's or bachelor’s degree in business or a related field, or an equivalent combination of training and work experience.

Three to five years of lending experience. Business Lending experience preferred.

Real estate and origination background preferred.