commercial loan officer

Lake Michigan Credit Union

<div>Job Title: SVP Commercial Lending Manager
Primary Location: 7920 Summerlin Lakes Drive Ft. Myers, FL
Employee Status: full-time salary
Estimated Hours/Week: 38
Remote/Hybrid: In-office<h2 class="jobSectionHeader">
What You&rsquo;ll Get: (note varied offerings based on role and hours)</h2><ul><li>
Weekly Pay</li><li>
Comprehensive Health &amp; Wellness package including Medical (with prescription coverage), Dental, and Vision</li><li>
Matching Health Savings Account Contributions, Dependent Care flexible spending account (FSA)</li><li>
Retirement options like 401 (k) with company match and pension</li><li>
Paid time off: Vacation, Personal days, paid holidays, paid volunteer time, sick days, &amp; flex time</li><li>
Tuition reimbursement</li><li>
To see a full list of our benefit offerings &ndash; check out this helpful guide!</li></ul><h2 class="jobSectionHeader">
About this position:</h2>
The Senior Vice President Commercial Lending Manager is responsible for loan portfolio management, growth and maintenance as well as the review of individual performance, training and guidance for a group of Commercial Lenders. The Senior Vice President Commercial Lending Manager will possess thorough knowledge of commercial lending policy and depository services as well as an understanding of the LMCU mission, vision and values, business model philosophy, risk tolerance and culture. In addition to insuring high standards for customer service, work quality, presentations, and compliance with policies, the Senior Vice President Commercial Lending Manager is responsible for self-development by maintaining an individual professional development plan and similar plans for each assigned commercial loan officer.<h2 class="jobSectionHeader">
What you&rsquo;ll do:</h2><ul><li>
Develop and manage a team of commercial loan officers. Identify skill gaps within team and align training opportunities to improve. Manage team pipeline reporting to provide accurate forecasting on weekly/monthly basis. Review team deals to assist with structuring, pricing and completeness of deal package. Monitors and reviews the performance of assigned commercial loan officers. Manages the hiring of new commercial loan officers. Sets assigned commercial loan officer goals.</li><li>
Develop, manage and grow a commercial loan portfolio. Develop and maintain an active pipeline of new business. Make outside sales calls on existing and prospective business members. Cross sell credit and noncredit products as appropriate. Be accessible to customers as point person and advocate as needed.</li><li>
Partner with credit to ensure annual reviews and line of credit renewals are completed on a timely basis, for individual and team member portfolios. Ensure risk ratings are appropriate based on knowledge of the client. Analyze financial statements and related credit material to assess risk. Ensure all credit files include current financial statements. Complete loan closings as required. Follow current loans to ensure complete compliance with terms. Monitor portfolio for credit quality, past due credits and non-performing loans.</li><li>
Maintain a working knowledge of the credit union&rsquo;s operating policies and procedures which impact commercial banking. Proactively keep abreast of industry trends. Consistently achieve assigned personal production plan goals.</li></ul><h2 class="jobSectionHeader">
What You&rsquo;ll Bring:
</h2><ul><li>Five years to eight years of similar or related experience, including preparatory experience.</li><li>
Prior supervisory experience is preferred.</li><li>
A college degree in a business-related field of study.</li><li>
Financial Analysis &ndash; solid understanding of financial statements and accounting principles.</li><li>
Must be organized and detail-oriented and accurate when working with financial information.</li><li>
Demonstrate an ability to present the outcomes of complex, technical analytic approaches.</li><li>
Strong skills in Word, Excel, PowerPoint and internet research required.</li></ul><h2 class="jobSectionHeader">
Who We Are:</h2>
We&rsquo;re proud of our past, thrilled with our present, and couldn&rsquo;t be more excited about our future! Lake Michigan Credit Union has grown to become one of the largest credit unions in the nation with our headquarters in West Michigan. 
As a credit union, LMCU is a not-for-profit institution, owned by its members, instead of corporate stockholders. We are accountable directly to our members, and they directly share in our success &ndash; benefitting by lower and fewer fees, better savings and checking interest rates, lower cost mortgages and a host of other advantages that simply don&rsquo;t exist at traditional banks. 
It&rsquo;s about always doing what&rsquo;s best and right for our members - it guides everything we do. 
From friendly, knowledgeable and professional employees who greet you by name, to offering stellar value at every turn, LMCU works for its members.
Working with LMCU you can grow and advance in your career and work with talented teams that help you become better each and every day. As an employee you can have confidence in knowing your work is having an impact by supporting our mission of serving our members&rsquo; lifetime financial needs.
You&rsquo;ll be encouraged to innovate and excel, and we're committed to your empowerment as an employee, providing ongoing training, development, support, and opportunities for you to achieve your career goals.
Have additional questions about the role?
You may email us at: Careers@lmcu.org.
If you lack access to the internet or internet connectivity, or have a disability that hinders your ability to apply online, please choose one of the following options to obtain assistance:
Call us at: (616) 242-9790
Mail your resume to: 5664 Prairie Creek Drive, Caledonia, MI 49316 
Please Note: These options are reserved for use by individuals requesting accommodation as a candidate. Information received via these options will be routed to our HR team, who will provide appropriate assistance to facilitate the completion of LMCU&rsquo;s online application.
LMCU is an Equal Opportunity Employer</div>

SVP Commercial Lending Manager - Ft. Myers

VyStar Credit Union

<div>At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement-available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.
We encourage you to become a part of VyStar Credit Union's family of employees.
Senior Commercial Banker
ACCOUNTABILITY STATEMENT
 
 
The Senior Commercial Banker (SCRB) will be responsible for identifying, soliciting, developing, servicing, and expanding larger commercial relationships within an assigned geographic region or market through prospecting, cross-selling, relationship-management efforts, and excellent member service. This will include sourcing and managing complex commercial loan relationships for business and commercial entities with revenues greater than $5 million and commercial lending needs greater than $2 million, while cross-selling additional products and services, and successfully transferring smaller relationships to a Banker. The position requires significant outside business development and relationship management activities. The Senior Commercial Banker will be responsible for professionally handling services inquiries and referrals from existing members, non-members, and internal and external sources. This position receives minimal supervision with daily responsibilities and is expected to independently resolve problems or situations relating to business/commercial members within assigned portfolio, following established policies and procedures while meeting all goals and objectives. In addition, the Senior Commercial Banker will mentor, coach, and develop Commercial Bankers and Business Bankers in the department as well as actively participate in any applicable training efforts.
ESSENTIAL JOB FUNCTIONS<ul><li>
Build and deepen relationships with new and existing commercial/business members with revenues greater than $5 million and commercial lending needs $2 million.</li><li>
Achieve individual quarterly/annual production and growth goals of both business loans and deposits to ensure VyStar meets its overall financial goals and objectives.</li><li>
Actively mentor, coach, and develop Commercial and Business Relationship Bankers and within the department while achieving and exceeding all personal goals and objectives.</li><li>
Maintain an advanced understanding of all business credit facilities including but not limited to: Commercial Real Estate (CRE), Construction &amp; Development (C&amp;D), Business Lines of Credit, business equipment/vehicle loans, and unsecured financing options.</li><li>
Actively participate and contribute to any training and product knowledge conference calls, sessions, or meetings.</li><li>
Effectively negotiate terms and conditions of commercial/business loans with existing and potential members.</li><li>
Review businesses financial statements, tax returns and supporting documentation, and properly package loan requests for underwriting.</li><li>
Assume responsibility for proper documentation and data integrity throughout the loan origination, annual review and renewal process.</li><li>
Actively develop and execute outbound calling strategies to successfully acquire, manage and grow profitable business relationships.</li><li>
Collaborate with Commercial and Business Relationship Bankers, and branch colleagues to support and drive business membership growth.</li><li>
Remain informed of VyStar&rsquo;s credit standards, pricing structure, loan policies and procedures, member service practices and other information fundamental to the successful execution of the Commercial Banker job duties and responsibilities.</li><li>
Accurately and consistently monitor, maintain, and update sales activity, pipeline, and other pertinent information using the VyStar&rsquo;s contact management system.</li><li>
Represent VyStar in the community by actively participating in civic affairs and local and professional organizations to identify and develop new clients and enhance the credit union&rsquo;s image and commitment to the local community.</li><li>
Effectively interact with Commercial Services portfolio management, credit underwriting and servicing departments to efficiently process loan requests, renewals, and any other credit related activities.</li><li>
Actively call on existing business members within assigned portfolio to ensure that members&rsquo; needs are being met, and appropriate solutions are presented.</li><li>
Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, and VyStar in general.</li><li>
Maintain an in-depth knowledge of VyStar&rsquo;s business services products and services.</li><li>
Effectively handle incoming business services inquires and referrals from branches, call center and other internal partners.</li><li>
Leverage problem-solving and strong communication skills to resolve business member issues and disputes.</li><li>
Present a professional, friendly, and helpful appearance with every interaction as a representative of VyStar and the Business Services team.</li><li>
Adhere to VyStar Credit Union and departmental policies and procedures with regards to attendance, daily schedules, action items, and reporting requirements.</li><li>
Perform other essential job-related duties as assigned by Chief Business Services Officer or VP Business Banking Sales.</li><li>
All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.</li></ul>
Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:<ul><li>
Focus - Focus your full attention by carefully listening to and observing client or member.</li><li>
Connect - Consistently be friendly and approachable. Demonstrate your care.</li><li>
Understand - Listen empathetically and ask questions (70%/30% rule).</li><li>
Counsel - Recommend solutions based on your member&rsquo;s needs and objectives.</li><li>
Advance - Ensure that member&rsquo;s expectations were exceeded.</li><li>
Verify necessary follow-up actions.</li></ul>
JOB KNOWLEDGE, SKILLS &amp; ABILITIES<ul><li>
Minimum ten (10) years lending experience in business or commercial credit.</li><li>
Minimum ten (10) years of experience in business services or business/commercial banking with proven success in establishing new customers/members, loan/deposit growth, and the ability to deliver results.</li><li>
Must have an advanced understanding of business/commercial credit, deposit, and related products and services.</li><li>
Must have an advanced understanding of business/personal financial statements and tax returns to identify credit worthiness and identifying risk potential.</li><li>
Must have an advanced understanding of financial analysis including cash flow, profitability, liquidity, leverage, and solvency.</li><li>
Demonstrated ability to successfully structure complex credit requests that minimize risk while providing member value.</li><li>
Work requires a broad level of professional experience in commercial lending to include thorough knowledge of commercial underwriting, servicing and portfolio management.</li><li>
Proven track record of success and skills in developing new clients and business, including pro-active prospecting, sourcing and networking.</li><li>
Excellent verbal and written communication and negotiation skills.</li><li>
Must be a highly motivated, detail oriented, able to multi-task and work in a fast-paced environment.</li><li>
Aptitude to source and build new business relationships.</li><li>
Proficiency with Microsoft products including Word, Excel, PowerPoint, and Outlook.</li></ul>
EDUCATION<ul><li>
Required: Bachelor&rsquo;s Degree or higher</li><li>
Required: Formal business/commercial credit training</li></ul>
DISCLAIMERS AND WORK ENVIRONMENT
Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.
The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.
VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.
No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.
Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.
Thank you again for your interest in this position!
VyStar Credit Union Human Resources</div>

Senior Commercial Banker

First Hawaiian Bank

<div>First Hawaiian Bank is currently seeking an experienced, customer-focused Commercial Real Estate Officer to join our Commercial Real Estate Team. 
Compensation
The annual salary range for this role is $70,000-$97,500/year; commensurate with experience.
The Commercial Real Estate Officer level and pay is at the discretion of the Manager and will be discussed at the time of the offer.
Work Schedule
 
Monday - Friday 8:00AM - 5:00PM (hours may vary)</div>
 <div>The ideal candidate will have:
<ul><li>Bachelor's degree in accounting, finance, economics, related field or equivalent experience.
</li><li>3+ years of experience in commercial real estate lending, risk management or equivalent.
</li><li>Personal Alignment with our Core values of Collaboration, Character, and Caring.</li></ul></div>
 <div>As a Commercial Real Estate Officer, you will assist with the underwriting and management of the Bank's commercial real estate loan activity throughout the State of Hawaii, Guam and Mainland U.S.</div>
 <div>As a Commercial Real Estate Officer, you will assist with the underwriting and management of the Bank's commercial real estate loan activity throughout the State of Hawaii, Guam and Mainland U.S.</div>

Commercial Real Estate Officer

Farmers National Bank of Canfield

<div>
 Job Details
 
 
 
 Description
 
 
 
 
 ESSENTIAL DUTIES and RESPONSIBILITIES
 
 include, but are not limited to the following:
 
 
 <ul>
 <li>
 Sell business products and services to commercial customers and prospects as opportunities occur or required by management, typically through personal calling efforts or internal/external referrals
 </li>
 <li>
 Analyze credit worthiness of commercial borrowers and make recommendations for extending credit
 </li>
 <li>
 Develop sales proposals, coordinate preparation of commitment letters, and make sales presentations to clients and prospects.
 </li>
 <li>
 Promote and cross-sell other Bank services to existing and prospective clients
 </li>
 <li>
 Oversee preparation of legal documents for loan closings
 </li>
 <li>
 Monitor risk in loan portfolio and take appropriate action to indemnify and minimize credit risk. Effectively manage collateral and documentation exceptions
 </li>
 <li>
 Maintain portfolio delinquency at levels acceptable to management
 </li>
 <li>
 Interact with operational and technical areas to resolve problems
 </li>
 <li>
 Be active in community/civic/professional organizations that promote the bank and engender networking opportunities
 </li>
 <li>
 Adhere to all appropriate service standards
 </li>
 <li>
 Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money laundering procedures. Maintain compliance with all appropriate rules and regulations.
 </li>
 <li>
 Regular, predictable attendance is an essential requirement of this position
 
 
 </li>
 </ul>
 
 EDUCATION And/or EXPERIENCE
 
 
 
 <ul>
 <li>
 Bachelor degree in Business Administration or Finance
 </li>
 <li>
 Minimum of three (3) years experience as a commercial lender
 </li>
 <li>
 Knowledge of Word, Excel, Internet navigation/research, and Outlook is expected
 </li>
 <li>
 Ability to clearly and effectively communicate both verbally and in writing
 </li>
 <li>
 Frequent travel will be required using reliable personal transportation
 
 
 </li>
 </ul>
 E-Verify is used to confirm the identity and employment eligibility of all newly hired employees.
 
 
 Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran
</div>

Commercial Lending Relationship Manager

<div>
 Job Details
 
 
 
 Description
 
 
 
 
 SUMMARY:
 
 Under the supervision of the Reporting Managers, this associate is responsible for supporting the Relationship Managers in all phases of the commercial relationship management process, including acquiring and closing new loan originations and renewals, portfolio administration, as well as providing customer service
 
 
 to clients and working with internal departments and partners on both product/service delivery and resolution of issues.
 
 
 
 ESSENTIAL DUTIES and RESPONSIBILITIES
 
 include, but are not limited to the following:
 
 
 <ul>
 <li>
 Prepare proposal and commitment letter
 </li>
 <li>
 Assist in the scheduling of appointments and maintenance of the calendar as requested
 </li>
 <li>
 Prepare loan documents through the use of Laser Pro Software or coordination with outside legal counsel
 </li>
 <li>
 File appropriate documents (mortgages, UCC, etc) once they are signed and process appropriate disbursement requests; forward the completed loan package to Commercial Loan Servicing for booking on the system. Follow up on document and financial exceptions as needed
 </li>
 <li>
 Assist with month-end reporting as requested
 </li>
 <li>
 Monitor delinquencies and notify the Reporting Manager of those that will be 30 days or longer delinquent at month&rsquo;s end
 </li>
 <li>
 Monitor daily NSF&rsquo;s
 </li>
 <li>
 Assist with loan portfolio reviews
 </li>
 <li>
 Assist with delinquency collection, matured loans, and other account maintenance
 </li>
 <li>
 Respond to and resolve customer and branch service issues, (both loan and deposit), by researching issue and working with appropriate Bank areas to resolve problem
 </li>
 <li>
 Participate in client calls as appropriate
 </li>
 <li>
 Order departmental supplies and support office equipment
 </li>
 <li>
 Coordinate ordering of appraisals, title work, flood searches, and other tasks as needed
 </li>
 <li>
 Daily monitor the loan maturity forecast report
 </li>
 <li>
 Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money laundering procedures. Maintain compliance with all appropriate rules and regulations
 </li>
 <li>
 Regular, predictable attendance is an essential requirement of this position
 
 
 </li>
 </ul>
 
 EDUCATION And EXPERIENCE
 
 
 
 <ul>
 <li>
 High School diploma or General Education degree (GED)
 </li>
 <li>
 NMLS certification may be required (or obtained upon hire)
 </li>
 <li>
 Minimum of three (3) years administrative support experience in a lending department; Commercial lending concept and loan documentation preferred
 </li>
 <li>
 Knowledge of Word, Excel, Internet navigation/research, and Outlook is expected
 </li>
 <li>
 Ability to clearly and effectively communicate both verbally and in writing
 
 
 </li>
 </ul>
 E-Verify is used to confirm the identity and employment eligibility of all newly hired employees.
 
 
 Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran
</div>

Commercial Loan Administrative Assistant

Washington Trust Bank

<div>This role is primarily responsible for the servicing of Commercial loans including but not limited to preparing commercial loan documentation, loan boarding, collateral perfection &ndash; including but not limited to; real estate, UCC and titled vehicle secured, processing of related financial transactions, and loan reconciliation functions.

Location: This role is open to candidates within Washington Trust Bank&rsquo;s footprint of Washington, Idaho, and Oregon. A hybrid work schedule is available after training, combining remote and onsite work. Regular, reliable attendance is required.

Schedule: Monday thru Friday, 8:00am - 5:00pm.

Essential Functions:
<ul>
<li>Handle loan boarding and collateral perfection.</li>
<li>Audits and reviews loan documents for a variety of commercial loan products to ensure compliance with regulatory and policy issues.</li>
<li>Responsible for handling loan package requests from bank lenders and determining required documentation for specific loan type and conditions.</li>
<li>Orders and verifies supporting documentation. Reviews documents for accuracy and completeness. Manipulates systems and uses knowledge to create effective loan packages.</li>
<li>Prepares appropriate documentation for collateral to be pledged. Ensures accuracy and completeness for perfection and government regulations.</li>
<li>Effectively communicate with other departments in the Bank, collaborating with internal and external customers to ensure a successful customer experience.</li>
</ul>
Qualifications:
<ul>
<li>Proficient knowledge of loan documentation, collateral perfection, and general loan servicing, as well as bank, federal, and state policies and requirements.</li>
<li>Experience with LaserPro, BakerHill NextGen, Jack Henry Silverlake or similar loan servicing, boarding and collateral perfection platforms preferred.</li>
<li>Minimum of 1-3 years of experience working in a loan servicing or administrative environment is required.</li>
<li>Strong knowledge of lending laws, regulations and business loan documentation. Knowledge of flood regulation is a plus.</li>
<li>Demonstrated accuracy in working with detailed data in a deadline-oriented environment.</li>
<li>Demonstrated ability to quickly adapt to and utilize systems and applications.</li>
<li>Strong telephone and interpersonal communication skills.</li>
<li>Ability to effectively prioritize work projects to meet deadlines.</li>
</ul>
Pay Range:
Loan Servicing Specialist II- $20.67 - $31.03 
Loan Servicing Specialist III- $22.50 - $33.76

The compensation range represents the low and high end of the base compensation range for this position located in Central/Eastern Washington area. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. 
 
Candidates in Portland, OR metro area can anticipate a pay range of:

Loan Servicing Specialist II- $25.83 - $38.78 
Loan Servicing Specialist III- $28.13 - $42.20

Candidates in Seattle and Bellevue, WA metro area can anticipate a pay range of: 
 
Loan Servicing Specialist II- $28.93 - $43.44 
Loan Servicing Specialist III- $31.51 - $47.26 

What Our Culture Can Offer You:

Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee. Our benefits include Health, Financial, Retirement and Work/Life Benefits. We are proud to share an overview of our benefits HERE as part of your total compensation.

Washington Trust Bank celebrates diversity in the workplace and actively recruits talent to help reflect the unique communities where we live and work. We are proud to be an equal opportunity employer and prohibit discrimination or harassment based on race, religion, sex, gender identity, sexual orientation, national origin, age, pregnancy, disability, genetic information and any other protected characteristics outlined by state, federal and local laws. We believe strength comes from the diverse backgrounds and experiences of our team, and we are dedicated to fostering a supportive and inclusive work environment.</div>

Commercial Loan Servicing Specialist II-III

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