Sr Commercial Loan Officer

Security Service Federal Credit Union; San Antonio (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

Security Service Federal Credit Union in San Antonio, TX seeks a Senior Commercial Lender with deep experience in CRE, construction lending, C&I and SBA. The role develops and services a broad spectrum of commercial loans, builds relationships with borrowers, and expands the credit union's commercial portfolio.

You will underwrite, close and manage loans, ensure compliance with federal and state regulations, and lead a team in loan administration support.

Qualifications

• Bachelor degree in Business Administration or equivalent education and/or experience.
• Ten years in commercial lending and managing a commercial loan portfolio.
• Five years of credit analysis/underwriting experience or equivalent lending experience.
• Proven sales aptitude and ability to develop new business.
• Strong verbal and written communication with deadlines and detail.
• Knowledge of federal, state and NCUA regulations.

Responsibilities

• Develops and services commercial loans (conventional, SBA, Construction, C&I).
• Maintains and grows a commercial loan portfolio with profitability and risk controls.
• Underwrites, processes, and closes all types of commercial loans within policy.
• Coordinates loan documentation, servicing, and collections as needed.
• Ensures compliance with SSFCU policies and NCUA regulations.
• Calls on potential customers and expands relationships.

Skills

Sales ability

Business development

Verbal communication

Written communication

Analytical skills

Negotiation

Education

Bachelor degree in Business Administration or equivalent education/experience

Job description

Makes and services a variety commercial loans (conventional, SBA, Construction, C&I) to include some complex credits. Develops and manages commercial loan accounts that meet established lending requirements and maximize profitability to the credit union with minimal risk. Provides portfolio maintenance and loan administration in accordance with SSFCU, Federal, State and NCUA policies. Operates with commercial lending authority as established by credit policy. Develops new business and expands existing relationships. Maintains knowledge of commercial loan products and services, as well as knowledge of the industries or market areas served. Calls on potential customers, identifies banking needs, secures financial data for analysis, and makes proposals for new business. Reviews existing account relationship for opportunities to meet additional needs with other products or services, makes proposals as appropriate. Makes sale calls in the calling program to achieve individually established goals. Gathers, evaluates, underwrites and closes all types of commercial loans within established credit authority limits; oversees processing of commercial loan documents and file maintenance; coordinates collection activities; provides direction to loan servicing, collection, loan administration support staff and guide to less experienced commercial lenders; participates in loan approval process. Manages loans within loan portfolio. Prepares letters pertinent to maintaining collateral documentation, financial statements, and other lending activities. Releases liens such as titles, mortgages, paid notes, etc. Responsible for identification and evaluation of deteriorating loan situations in order to recognize charge-off loans early and manage credit to minimize losses. Handles follow-up, collections, or delinquent and problem loans as requested. Works in concert with internal and external auditors and corporate credit review staff to insure compliance with bank policies and procedures and federal, state, and NCUA regulations. Completes any other job related duties needed to help drive to our Vision, fulfill our Purpose, and abide by our Organization's Values.

What We Require:

Bachelor degree in Business Administration or equivalent education and/or experience. Ten (10) years in commercial lending and managing a commercial loan portfolio and member/customer service with a strong emphasis in business product knowledge. Five (5) years of credit analysis/underwriting experience or equivalent commercial lending experience. Proven track record in sales ability/aptitude and business development. Strong verbal and written communication skills and the ability to meet deadlines and maintain attention to detail. A high level of analytical skills. Ability to perform in a high volume environment. Strong sales skills and ability to negotiate.

Ideal Candidate Will Have:

Expert knowledge of CRE, C&I and Construction Lending, SBA experience preferred. A high level of analytical skills. Strong sales skills and ability to negotiate. Thorough knowledge and understanding of federal, state and NCUA regulations.

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