commercial loan officer

Sound Community Bank

<p>POSITION DESCRIPTION<br/></p><p>The Senior Commercial Loan Officer is responsible for providing professional commercial lending services to existing and prospective bank clients. The Senior Commercial Loan Officer is expected to achieve their certain production and customer calling goals and properly manage their assigned loan portfolio.<br/></p><p>POSITION QUALIFICATIONS<br/></p><p>Bachelor&rsquo;s degree preferred, plus a minimum of 10+ years of progressively responsible Commercial Lending experience. Trustworthiness and sensitivity are essential. Skill competencies required include, but are not limited to:<br/></p><p>Ability to underwrite credit requests, determine appropriate loan structure and present proposed loan requests for approval<br/>Prepare professional Credit Write- Ups for review by Commercial Team Lead, Credit Administration and Loan Committee for approval<br/>Ability to assess and grade credit risk, debt service capacity and ratio analysis<br/>Good understanding of financial statements including balance sheets, income statements and statement of cash flows<br/>Excellent relationship building and interpersonal skills<br/>Strong customer focus<br/>Strong organizational and multi-tasking skills in a fast-paced environment<br/>Excellent verbal and written communication skills<br/>Excellent proofreading skills with a strong attention to detail<br/>Ability to work both independently and as a team player<br/>Practice flawless ethical behavior and understands the need for confidentiality<br/>Information Technology knowledge is a plus.<br/>Must have valid driver&rsquo;s license and access to an insured vehicle.<br/>Ensure compliance with regulatory requirements, including the Bank Secrecy Act.<br/></p><p>POSITION RESPONSIBILITIES<br/></p><p>Duties may include but are not limited to:<br/></p><p>Responsibility #1 Loan Production and Maintenance<br/></p><p>Originate, underwrite, and service a portfolio of commercial banking relationships and cross-sells other banking services when appropriate<br/>Monitor existing loan portfolios to maintain a high quality asset base and assist in collection of past due loans<br/>Negotiate renewals of credit facilities. Recommend approval of loan payments, construction draw requests, draws from lines of credit and funds transfers with specified limits<br/></p><p>Responsibility #2 Credit and Borrower Analysis<br/></p><p>Screen potential commercial borrowers by analyzing their business plan, strategies, and projections, as well as, historical financial statements and business results<br/>Meet with existing customers and prospects through various methods to discuss business needs and recommend ways in which the Bank can provide solutions<br/>Work with Credit Analysts to accurately review prospective borrower requests and coordinate processing of approved loans<br/>Test financial loan covenants and prepare annual term loan reviews<br/>Ensure all loan documents are correct, signed and recorded/perfected.<br/>Ensure all supporting documentation is complete and signed where necessary.<br/></p><p>Responsibility #3 New Business Development / Community Outreach<br/></p><p>Engage in business development activities and solicit new high quality loan and deposit business to achieve volume and/or production goal<br/>Represent SCB at various community functions and professional/civic groups to further enhance the Bank&rsquo;s image and visibility<br/></p><p>Responsibility #4 Continuing Education<br/></p><p>Update job knowledge by participating in educational opportunities, maintaining personal networks and participating in professional organizations.<br/></p><p>Other Duties as Assigned<br/></p><p>Each employee makes a significant contribution to the success of Sound Community Bank. Employees must have an overall understanding of department operations, and ensure compliance with regulatory requirements, including the Bank Secrecy Act. It is expected that each employee will readily accept additional duties and offer their services wherever and whenever necessary to ensure our success.<br/></p><p>Corporate Core Values<br/>Demonstrates behavior and actions which support Sound Community Bank&rsquo;s values and actively participates in volunteering.<br/>Our employees are our most important asset.<br/>Results matter.<br/>Community is our heart.<br/>Access and sustainability are critical.<br/></p><p>Compensation<br/></p><p>Salary is dependent on experience.<br/>$126,560.00 - $189,840 per year<br/></p><p>Health and Retirement Benefits<br/>Health, Dental, and Vision insurance plans for employee and dependents<br/>Employer-paid Group Life &amp; AD/D insurance<br/>Wellness Program discount towards medical insurance premiums, Employee Assistance Program<br/>401(k) plan options with up to 3.5% employer match and Employee Stock Ownership Program (ESOP)<br/>Voluntary benefits include: Health Savings Account (HSA), Voluntary Life &amp; AD/D, Accident Plan, Critical Illness Coverage, Short-term Disability, Long-term Disability, Flexible Spending Account (FSA) and Dependent Care Account<br/></p><p>Time-off Benefits<br/>Two weeks Paid Vacation, Paid Employee Days for Birthday and Hire Date Anniversary, Paid Sick and Safe Time (7 days per year), Bank Paid Holidays (11 per calendar year)<br/></p><p>Other Benefits<br/>We also offer the following (some perimeters apply): Tenure Bonus Program, Continuing Education/Tuition Assistance &ndash; up to $2,500 per year, Student Loan Debt Repayment - up to $100 per month, ORCA Passport/Transportation Alternatives/Benefit Allowance, Charitable Donation Matching Program, Gym/Health monthly reimbursement, Pet Insurance monthly reimbursement, Employee mortgage and consumer loans, Banking services (of course!) free of normal service charges, Employee Recognition Program<br/></p><p>EEO is the Law<br/>Sound Community Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability status, protected veteran status or any other characteristic protected by law.<br/></p><p>HOW TO APPLY<br/>Apply for the position by clicking on the Apply button or visit our Career Center for all open positions at https://www.soundcb.com/about-us/career-opportunities.html<br/></p>

SENIOR COMMERCIAL LOAN OFFICER

Lawrence Bank

<div><div><b>JOB SUMMARY</b></div><div></div><div><br>
The Commercial Loan Assistant (CLA) provides administrative and operational assistance to the commercial area of the bank. The CLA delivers customer service at the highest levels to both internal and external customers which includes performing research and resolving account/customer issues. The CLA works closely with commercial bankers, as assigned, and will provide telephone and in-person service to commercial banking customers.</div><div></div><div><b><br>
JOB DUTIES AND REPONSIBILITIES</b></div><div></div><div><br>
<ul><li>
Responsible for supporting commercial bankers with large and complex loan portfolios by assisting in the management of customer relationships and accounts by processing transactions, renewing loans, resolving account/customer issues and providing various other administrative support functions using a variety of banking and lending system applications.</li></ul></div><div></div><div><br>
<ul><li>
Promote an outstanding customer experience by exemplifying prompt follow-up and proactive internal/external customer communication, proper etiquette, and all other</li></ul></div><div>
professional customer service qualities to maximize the most out of the client relationships.</div><div></div><div><br>
<ul><li>
Basic understanding of loan documentation, credit policy and banking regulation to enable a constant review and stay up to speed on any changes with company credit policy and company compliance.</li></ul></div><div></div><div><br>
<ul><li>
Basic understanding of HMDA, CRA Community Development, and CRA Small Business Revenue inputs to ensure proper reporting and compliance for the bank.</li></ul></div><div></div><div><br>
<ul><li>
Coordinates the preparation of required loan documentation via worksheets/workflow system. Reviews all loan documents to ensure documentation is prepared according to written approval, coordinates execution of loan documents for new loans and renewals. Attends and completes all necessary training.</li></ul></div><div></div><div><br>
<ul><li>
Works closely with assigned bankers to assist with loans by obtaining financial data, drafting letters, clearing exceptions, and obtaining documentation. Coordinates with CPAs, attorneys, insurance agents, etc. of assigned clients to resolve specific exceptions and transactional issues. Coordinates title work and closing details with approved attorneys/title companies.</li></ul></div><div></div><div><br>
<ul><li>
Works closely with the assigned banker to assist in collecting financial data and client phone/email communication to better manage the overall client relationship. Other client related services include wires, NSF accounts and overdrafts. Should contain a basic understanding of financial statements and their interpretations.</li></ul></div><div></div><div><br>
<ul><li>
Responsible for monitoring reports such as past due, paid off loans, criticized assets, and maturing loan lists to assist and proactively inform banker of potential or pending issues along with providing support to minimize administrative issues such client past dues.</li></ul></div><div></div><div><br>
<ul><li>
Reviews maturing loan report monthly to manage upcoming processing requests.</li></ul></div><div></div><div><br>
<ul><li>
Reviews collateral/credit/financials exception reports weekly to manage to desired exception levels.</li></ul></div><div></div><div><br>
<ul><li>
May orient, train, assign, and review the work of lower-level commercial support staff.</li></ul></div><div></div><div><br>
<ul><li>
Performs other duties as required.</li></ul></div><div></div><div><b><br>
MINIMUM EDUCATION</b></div><div></div><div><br>
<ul><li>
High School Diploma or equivalent</li></ul></div><div></div><div><b><br>
MINIMUM EXPERIENCE</b></div><br>
<div></div><ul><li>
Two years&rsquo; experience in credit, customer service, or bank-related position</li><li>
Three to five years clerical, administrative support or general office experience</li></ul><div></div><div><b><br>
REQUIRED KNOWLEDGE, SKILLS, AND ABILITIES</b></div><br>
<div></div><ul><li>
Self-starter, ability to work independently.</li><li>
Demonstrate the ability to be proactive in judgment, multi-task, and be punctual and timely in performing tasks in-depth knowledge of loan documentation</li><li>
General knowledge of financial statement analysis</li><li>
In-depth knowledge of treasury services, merchant services, card services, asset-based lending</li><li>
Ability to balance administrative functions and meet service expectations</li><li>
Effective written and oral communication skills</li><li>
Effective organizational skills</li><li>
Excellent customer service skills</li><li>
Advanced working knowledge of Microsoft office products and spreadsheet applications</li><li>
Proficient keyboarding and computer skills</li><li>
Detail-Oriented with exceptional organizational skills</li></ul></div><div></div>

Commercial Loan Assistant

Deutsche Bank

<div>
 <p>
  <strong>
   Job Title
  </strong>
  Commercial Real Estate Risk Officer
 </p>
 <p>
  <strong>
   Corporate Title
  </strong>
  Assistant Vice President
 </p>
 <p>
  <strong>
   Location
  </strong>
  New York, NY
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Overview
  </strong>
 </p>
 <p>
  The Commercial Real Estate (CRE) credit team is tasked with managing the real estate credit risk for Deutsche Bank&rsquo;s Commercial Real Estate Group. In particular, Risk Officer is responsible for handling approvals for all real estate related transactions, retained on balance sheet. Additional tasks include setting and monitoring counterparty credit limits, negotiating term sheets, reviewing due diligence and underwriting and interfacing with senior management and Business personnel. You will be expected to analyze and recommend approvals/declines, or new loan terms for proposed commercial real estate transactions involving stabilized, transitional, ground-up construction, conversions and acquisition/rehabilitation properties. Risk Officer will act as the primary intermediary between the Business units, department heads and credit committees, assist in structuring transactions to achieve optimal risk/return outcomes, and monitor portfolio and financial/market developments within commercial real estate and related sectors, Experience leading/managing internal and external audit coordination required.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What We Offer You
  </strong>
 </p>
 <ul>
  <li>
   A diverse and inclusive environment that embraces change, innovation, and collaboration
  </li>
  <li>
   A hybrid working model, allowing for in-office / work from home flexibility, generous vacation, personal and volunteer days
  </li>
  <li>
   Employee Resource Groups support an inclusive workplace for everyone and promote community engagement
  </li>
  <li>
   Competitive compensation packages including health and wellbeing benefits, retirement savings plans, parental leave, and family building benefits
  </li>
  <li>
   Educational resources, matching gift and volunteer programs
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What You&rsquo;ll Do
  </strong>
 </p>
 <ul>
  <li>
   Analyze and recommend credit approval/declines, or suggest new loan terms for proposed commercial real estate transactions involving stabilized, transitional, ground-up construction, conversions and acquisition / rehabilitation properties
  </li>
  <li>
   Act as the primary intermediary between the Business units, department heads and credit committees
  </li>
  <li>
   Monitor portfolio and financial/market developments within commercial real estate and related sectors as needed to enhance response capability and corporate knowledge. Analyze/Asses and make recommendations for approval for the balance sheet portfolio, including construction loans and transitional loans
  </li>
  <li>
   Interact with internal Business unit personnel to prepare credit reports and due diligence documentation that support Deutsche Bank's Business strategies while operating within the constraints of Deutsche Bank&rsquo;s risk appetite for commercial real estate in a manner consistent with its policies and procedures
  </li>
  <li>
   Monitor an existing portfolio, sponsor/guarantor financial capacity, watchlist credits and prepare impairment analyses and memoranda as necessary; assist in structuring transactions to achieve optimal risk/return outcomes
  </li>
  <li>
   Maintain data integrity for all names / transactions in Information Technology (IT) systems and assist and at times lead CRM - CRE's interactions with internal / external auditors and regulatory authorities and other Deutsche Bank infrastructure teams (Finance, Regulatory, Risk Analytics, etc.)
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Skills You&rsquo;ll Need
  </strong>
 </p>
 <ul>
  <li>
   Extensive commercial real estate credit experience
  </li>
  <li>
   Balance sheet lending experience
  </li>
  <li>
   Ability to analyze/review highly structured loans
  </li>
  <li>
   Experience working with internal and external auditors
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Skills That Will Help You Excel
  </strong>
 </p>
 <ul>
  <li>
   Highly motivated with ability to work independently
  </li>
  <li>
   Excellent verbal and written skills
  </li>
  <li>
   Ability to multi-task
  </li>
  <li>
   Structured lending experience
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Expectations
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  It is the Bank&rsquo;s expectation that employees hired into this role will work in the New York City office in accordance with the Bank&rsquo;s hybrid working model.
 </p>
 <p>
  Deutsche Bank provides reasonable accommodations to candidates and employees with a substantiated need based on disability and/or religion.
 </p>
 <p>
  The salary range for this position in New York City is $100,000 to $153,000. Actual salaries may be based on a number of factors including, but not limited to, a candidate&rsquo;s skill set, experience, education, work location and other qualifications. Posted salary ranges do not include incentive compensation or any other type of remuneration.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Deutsche Bank Benefits
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  At Deutsche Bank, we recognize that our benefit programs have a profound impact on our colleagues. That&rsquo;s why we are focused on providing benefits and perks that enable our colleagues to live authenti&shy;cally and be their whole selves, at every stage of life. We provide access to physical, emotional, and financial wellness benefits that allow our colleagues to stay financially secure and strike balance between work and home. Click here to learn more!
 </p>
 <p>
  Learn more about your life at Deutsche Bank through the eyes of our current employees https://careers.db.com/life
 </p>
 <p>
  The California Consumer Privacy Act outlines how companies can use personal information. If you are interested in receiving a copy of Deutsche Bank&rsquo;s California Privacy Notice please email HR.Direct@DB.com.
 </p>
</div>


Commercial Real Estate Risk Officer - Assistant Vice President

<div><p><b>Work Location:
</b></p>Coral Gables, Florida, United States of America
<p></p><p><b>Hours:
</b></p>40
<p></p><p><b>Pay Details:
</b></p>$148,720 - $223,080 USD
<p></p><p>TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
</p><p></p><p>As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
</p><p></p><p><b>Line of Business:
</b></p>Personal &amp; Commercial Banking
<p><b>Job Description:
</b></p><p>The Commercial Credit Manager is responsible for ensuring quality underwriting, compliance and credit monitoring within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. This job manages the credit underwriting and credit administration functions within a Regional Market or Middle Market. The key accountabilities of this role are credit understanding and approval, people management, development and coaching of the credit analysts, and ensuring continued coaching in credit skills and capabilities development and career development for analysts. The Commercial Credit Manager manages a subset of credit analysts within a market, where teams are large enough to warrant the position. The Commercial Credit Manager works closely with the Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.
</p><p></p><p><b>Depth &amp; Scope:
</b></p><ul><li>Manages preliminary research on potential customers to determine alignment with TD Bank products/structure while also assisting in assessments of credit needs and alignment with TD Credit Risk Appetite
</li><li>Attends site visits as needed or as requested
</li><li>Manages Credit Analysts in creation of preliminary spreads, cash flow, BRR, and term sheet used and assets on the decision to move forward with potential clients; Has oversight of Officer Analysis, input BRR, FRR, Covenant &amp; ARD
</li><li>Ensures that all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies &amp; procedures (including but not limited to: AML, Privacy, Firewalls, Systems &amp; Information Security, FCAC, etc) and ensures that all staff complete required compliance attestations/training within required timelines
</li><li>Manages all credit applications, ensuring they provide a high quality of risk assessment, credit structure analysis, due diligence, and credit presentation
</li><li>Ensures appropriate balance between customer risk and pricing
</li><li>Has joint signature approval on credits within delegated limits and makes recommendations on all others
</li><li>Ensures the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
</li><li>Interprets and applies TDs risk management strategy (both credit and operational)
</li><li>Implements and operates systems to identify and mitigate operational risk issues, including acting as the Units designated anti-money laundering officer
</li><li>Understands changing market conditions and remains knowledgeable of relevant industry issues
</li><li>Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and assists in developing strategy if failures occur, completing monthly monitoring
</li>Leads a team of Analysts in monitoring loan covenants, loan delinquencies, and the annual review and renewal of existing credit relationships<br>
<li>
</li></ul><p><br>
<b>Education &amp; Experience:
</b></p><ul><li>Undergraduate degree in Accounting or Finance
</li><li>MBA preferred
</li><li>10+ years experience in related field
</li><li>Demonstrates credit underwriting and administration skills.
</li><li>Proven ability to identify and mitigate risk.
</li><li>In-depth understanding of value-add credit structuring in a commercial banking environment.
</li><li>Excellent communication skills with proven understanding of business acumen.
</li><li>Demonstrates interpersonal skills.
</li><li>Customer focused.
</li><li>Demonstrated planning and organizational skills.
</li></ul><p></p><p><b>Physical Requirements:
</b></p><p>Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
</p><ul><li>Domestic Travel &ndash; Occasional
</li><li>International Travel &ndash; Never
</li><li>Performing sedentary work &ndash; Continuous
</li><li>Performing multiple tasks &ndash; Continuous
</li><li>Operating standard office equipment - Continuous
</li><li>Responding quickly to sounds &ndash; Occasional
</li><li>Sitting &ndash; Continuous
</li><li>Standing &ndash; Occasional
</li><li>Walking &ndash; Occasional
</li><li>Moving safely in confined spaces &ndash; Occasional
</li><li>Lifting/Carrying (under 25 lbs.) &ndash; Occasional
</li><li>Lifting/Carrying (over 25 lbs.) &ndash; Never
</li><li>Squatting &ndash; Occasional
</li><li>Bending &ndash; Occasional
</li><li>Kneeling &ndash; Never
</li><li>Crawling &ndash; Never
</li><li>Climbing &ndash; Never
</li><li>Reaching overhead &ndash; Never
</li><li>Reaching forward &ndash; Occasional
</li><li>Pushing &ndash; Never
</li><li>Pulling &ndash; Never
</li><li>Twisting &ndash; Never
</li><li>Concentrating for long periods of time &ndash; Continuous
</li><li>Applying common sense to deal with problems involving standardized situations &ndash; Continuous
</li><li>Reading, writing and comprehending instructions &ndash; Continuous
</li><li>Adding, subtracting, multiplying and dividing &ndash; Continuous
</li></ul><p></p><p>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities &amp; duties are considered essential functions for ADA purposes.
</p><p></p><p><b>Who We Are:
</b></p><p>TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
</p><p></p><p><b>Our Total Rewards Package<br>
</b></p><p><br>
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more
</p><p></p><p><b>Additional Information:
</b><br>
We&rsquo;re delighted that you&rsquo;re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we&rsquo;re committed to providing the support our colleagues need to thrive both at work and at home.
<br>
<br>
<b>Colleague Development
</b></p><p>If you&rsquo;re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You&rsquo;ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.<br>
</p><p></p><p>If you&rsquo;re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
</p><p></p><p>We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
</p><p></p><p><b>Training &amp; Onboarding
</b><br>
We will provide training and onboarding sessions to ensure that you&rsquo;ve got everything you need to succeed in your new role.
<br>
<br>
<b>Interview Process
</b><br>
We&rsquo;ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
</p><p></p><p><b>Accommodation
</b></p><p>TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
</p><p></p><p>If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.</p></div>

Commercial Credit Mgr II - Regional Commercial Banking

MASS BAY CREDIT UNION

<div><h2 class="jobSectionHeader"><b>About Us</b></h2><p>
Celebrating over 85 years in business, Mass Bay Credit Union has over $300M in assets, continues to grow, and is proud to be 19,000 members strong! We've recently expanded our field of membership which allows us to serve members in a much broader group of communities. In addition, as a member of the shared branching network, we provide our members with nation-wide service at thousands of credit union locations throughout the country.</p><p>
Interested in bringing your financial skills to a growth credit union where your input is valued? Then we would very much like to chat with you! Send us your resume in complete confidence.</p><p>
Mass Bay Credit Union is proud to be an Equal Opportunity Employer.</p><p></p><p><b><br>
JOB TITLE</b> : Manager of Loan Underwriting</p><p><b>
REPORTS TO</b> : AVP of Lending</p><p><b>
STATUS</b> : Full time; exempt</p><p></p><h2 class="jobSectionHeader"><b><br>
Job Purpose</b></h2><p>
To evaluate, analyze, and underwrite consumer and home equity loan applications in accordance with credit union lending policies, regulatory requirements, and sound underwriting practices. This role supports the credit union's mission by making timely, accurate lending decisions that balance the member experience, portfolio quality, and risk management while fostering strong member relationships along with the members financial well-being.</p><h2 class="jobSectionHeader"><b><br>
</b></h2><h2 class="jobSectionHeader"><b>
Duties and Responsibilities</b></h2><ul><li>
Review credit applications for various types of consumer loans, including Home Equity Products, and analyze applicable information (credit reports, collateral valuation, legal documents, etc.) to render credit decisions in accordance with lending policies.</li><li>
Use discretion and independent judgment for credit decisions not conforming to lending policies and consult with the Chief Lending Officer or AVP of Consumer Lending.</li><li>
Consistently demonstrates leadership in lending operations, member service, pipeline management, and sales.</li><li>
Proactively seek cross-selling opportunities for each credit applicant.
</li><li>Identify and assist in the development of new loan products.</li><li>
Establish clear expectations for productivity, quality, member service, and turnaround times.</li><li>
Identify performance gaps and implement coaching, training, and process improvements to enhance results.</li><li>
Promote a high performance culture focused on accountability, collaboration, member experience and risk management.</li><li>
Respond to and resolve consumer and home equity loan clerks, as well as retail staff loan inquiries in a timely manner and facilitate assistance from other staff as appropriate.
</li><li>Constantly develop greater knowledge in all areas of credit union operations.</li><li>
Maintain an in-depth knowledge of the Credit Unions policies and procedures as well as regulations and compliance, both state and federal.</li><li>
Required to attend or participate in necessary compliance training.
</li><li>Responsible for maintaining and updating the HMDA LAR on a monthly and quarterly basis.</li><li>
Ensure underwriting decisions are consistent with credit policy, credit union guidelines, regulatory requirements , and risk appetite.</li><li>
Assists with Quality Control reviews of loan files.
</li><li>Participate in activities that help reinforce our PICK US values and support a positive internal culture.</li><li>
Assist the Chief Lending Officer and AVP of Consumer Lending in performing other duties and responsibilities as needed to ensure organizational success.</li><li>
Exercise discretion and independent judgment with respect to all matters of lending.</li><li>
Responsible for adherence to anti-money laundering duties and the Bank Secrecy Act laws.</li><li>
Represent the Credit Union in a professional and friendly manner, both internally and within the community.</li><li>
Assumes other duties, responsibilities, special assignments, and training as necessary or directed.</li></ul><p></p><h2 class="jobSectionHeader"><b><br>
Qualifications</b></h2><ul><li>
A minimum of 3 to 5 years of similar or related experience. Credit Union experience preferred.
</li><li>Knowledge of lending compliance.</li><li>
Strong Communication, both oral and written skills.</li><li>
Ability to become a Mortgage Loan Originator with the Nationwide Mortgage Licensing System &amp; Registry (NMLS).</li><li>
Computer skills mandatory.</li></ul><p></p><h2 class="jobSectionHeader"><b><br>
Working Conditions</b></h2><p>
This position requires a flexible schedule with limited evening and weekend duties, traveling in Credit Union's service area, attending events, and working at times with challenging circumstances and challenging members.</p><p></p><h2 class="jobSectionHeader"><b><br>
Physical Requirements</b></h2><p>
While performing the essential duties of the position, the employee would be regularly required to stand, sit, walk, stoop, kneel, talk, and hear. Vision requirements include close vision and the ability to focus. The nature of this position requires physical mobility and the ability to occasionally lift and/or move a maximum of 25 pounds.</p></div>

Manager of Loan Underwriting

Layton Mortgage

<p>Branch Manager style income for Loan Officer work!</p><p>&middot; 200-275 BPS Compensation on personal production</p><p>&middot; Core raw interest rates-never get beat on rate!</p><p>&middot; Overrides on referrals - 3 levels down &ndash; FOR LIFE!</p><p>&middot; Cutting edge tools (all the latest/greatest tech)</p><p>&middot; Marketing funnels built for you with multiple landing pages</p><p>&middot; No additional fees</p><p>We are seeking:</p><p>&middot; Dynamic mortgage professionals capable of independently generating business.</p><p>&middot; In-depth understanding of mortgage industry dynamics and market trends.</p><p>&middot; Mortgage Loan Officers must hold a valid license in Alabama, Arizona, California, Colorado, Florida, Idaho, Kansas, Kentucky, Michigan, Minnesota, Missouri, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah-DRE, Virginia, Washington and Wisconsin maintaining good standing with NMLS.</p><p>&middot; Strong knowledge of mortgage lending practices, regulations, and procedures.</p><p>Responsibilities:</p><p>&middot; Originate loans though cultivating and nurturing client relationships.</p><p>&middot; Assess client needs and recommend suitable mortgage products.</p><p>&middot; Stay abreast of market trends and regulatory changes.</p><p>&middot; Help us grow the company through recruiting and referrals</p><p>Why Choose Us?</p><p>&middot; Cutting-Edge Platform: Our cloud-based system enables loan origination and operation from anywhere with an internet connection, providing unparalleled flexibility.</p><p>&middot; Remote Work: Enjoy the freedom of 100% virtual work from any location.</p><p>&middot; Expedited Loan Closures: Our responsive and efficient loan processing ensures swift closure of your loan files and takes work off your desk to let you get back to pursuing new business.</p><p>&middot; Comprehensive Product Range: Offer clients a diverse array of mortgage products to fit any situation.</p><p>&middot; Access to Leads: Propel your business forward with access to potential leads, as well as utilize our tech stack to help generate more leads and business for yourself.</p><p>&middot; Competitive Interest Rates: Provide customers with peace of mind with our competitive interest rates, in the broker channel we have core-raw pricing with no hidden margins.</p><p>&middot; Industry-Leading Compensation: Our rewarding compensation plan sets industry standards, recognizing your efforts and those of your team.</p><p>&middot; Company Revenue Sharing Plan that enables you to earn more as part of a team than you can produce flying solo.</p><p>This is a 1099 position. This is not a salaried or hourly role</p><p>Pay: $55,000.00 - $150,000.00 per year</p><p>Benefits:</p><ul><li>Flexible schedule</li><li>Opportunities for advancement</li><li>Work from home</li></ul><p>Work Location: Remote</p>

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