Lending Specialist IV, Full Time, Alpena

Northland Area FCU; Alpena Township (MI); On-site; USD 65,000 - 90,000; Full time

Job summary

Northland Area FCU is seeking an experienced Lending Specialist IV for its Business Lending team. You will advise business owners with expert financial guidance, lending solutions, and exceptional service to drive growth and community impact.

As a trusted advisor, you will partner with Business Development Officers and Credit Risk to expand relationships, assess risk, and deliver sound lending outcomes. Travel and NMLS requirements apply to the role.

Qualifications

• Bachelor's degree in Business or related field or equivalent experience.
• 3+ years of business lending, mortgage lending, business development, or related financial services experience.
• Active NMLS registration or eligibility to obtain.

Responsibilities

• Analyze business financial statements, cash flow, and credit risk to support lending decisions.
• Assist in structuring, processing, and closing business and mortgage loan requests.
• Develop and expand commercial deposit and lending relationships.
• Prepare credit presentations and loan recommendations for underwriting.
• Assist business owners with financial planning, business strategies, and growth opportunities.
• Manage loan renewals, modifications, and annual financial reviews.
• Support collection and delinquency mitigation while preserving strong member relationships.
• Stay informed on market conditions and business banking opportunities.
• Ensure compliance with applicable regulations, policies, and procedures.

Skills

Commercial lending knowledge

Financial analysis

Relationship-building

Communication

Time management

Independent work

Education

Bachelor's degree in Business or related field

Job description

Help Businesses Grow-->Build Relationships-->Make an Impact

We're looking for an experienced, relationship-driven Lending Specialist IV in our Business Lending department to help business owners achieve their goals through expert financial guidance, lending solutions, and exceptional service.

This is more than a lending position. It's an opportunity to become a trusted advisor to business members, support economic growth throughout our communities, and collaborate with a team committed to helping people improve their financial lives.

What You'll Do

As a key member of our Lending team, you will partner closely with Business Development Officers, Branch Leadership and Credit Risk to strengthen existing relationships and cultivate new business opportunities.

In this role, you will:

• Analyze business financial statements, cash flow, and credit risk to support sound lending decisions.
• Assist in structuring, processing, and closing business and mortgage loan requests.
• Develop and expand commercial deposit and lending relationships.
• Prepare comprehensive credit presentations and loan recommendations for underwriting.
• Assist business owners with financial planning, business strategies, and growth opportunities.
• Manage loan renewals, modifications, and annual financial reviews.
• Support collection and delinquency mitigation efforts while preserving strong member relationships.
• Stay informed on market conditions, competitive trends, and business banking opportunities.
• Ensure compliance with all applicable regulations, policies, and procedures.

What Makes You Successful

You are analytical, professional, and relationship-focused. You enjoy understanding a member's business, identifying opportunities, and helping them find solutions that support long-term success.

Successful candidates typically demonstrate:

• Strong commercial and/or mortgage lending knowledge.
• Excellent financial analysis and risk assessment skills.
• Exceptional communication and relationship-building abilities.
• Sound judgment and decision-making skills.
• Strong organizational and time-management capabilities.
• A solutions-oriented mindset and commitment to member service.
• Ability to work independently while collaborating effectively across teams.

Preferred Qualifications

• Bachelor's degree in Business or a related field, or equivalent combination of education and experience.
• Valid driver's license with the ability to travel as needed.

• Three or more years of business lending, mortgage lending, business development, or related financial services experience.
• Active Nationwide Mortgage Licensing System (NMLS) registration or eligibility to obtain.

At Northland, our mission is to improve the financial lives of our members. We do that by empowering our employees to build meaningful relationships, provide trusted guidance, and deliver exceptional service every day.

If you're looking for a role where your expertise can directly impact local businesses and communities while offering professional growth and rewarding work, we'd love to hear from you.

Northland Area FCU is an Equal Opportunity Employer