Texas Dow Employees Credit Union
Finance
CommercialLoanOfficer2
Neural analysis suggests this role is
optimal for Mid candidates.
“Commercial Loan Officer 2 at Texas Dow Employees Credit Union. Skills: Commercial lending, Loan origination, Risk assessment. Originate and service commercial loans. Participate in business development activities”
What You'll Achieve.
Maximize profitability to the credit union with minimal risk; Recognize charge-off loans early; Minimize losses
Industry & Context.
Critical thinking skills; Assess threats; Propose solutions
Three days of on-site work required, Specific vision abilities required: close vision, distance vision, ability to adjust focus
What They're Looking For.
Must Have
Bachelor's degree in business, finance, management, or an equivalent mix of education and experience, Five or more years of experience with Proven track record of originating loan volume of $12-25MM per year, Experience with member/client service, Analyzing business financial statements, Assessing loan risk, Processing commercial loans, Expert knowledge of commercial lending including construction, CRE and C&I, Ability to work both remotely and collaboratively, Ability to exercise critical thinking skills, Assess threats and propose solutions, Consultative selling skills, Interpersonal communication skills, Ability to establish and maintain professional communication within the team
Nice to Have
Experience with SBA and USDA loan program parameters
What You'll Do.
Originate and service commercial loans
Participate in business development activities
Cultivate existing relationships
Develop new relationships
Operate with commercial lending authority
Expand existing relationships
Identify banking needs
Secure financial data for analysis
Make proposals for new business
Review existing account relationships
Gather and evaluate documentation from applicants
Structure commercial loans
Negotiate commercial loans
Close commercial loans
Oversee processing of commercial loan documents
Coordinate file processing
Provide direction to loan servicing staff
Provide direction to collection staff
Provide direction to loan administration support staff
Guide less experienced commercial staff
Participate in loan approval process
Maintain knowledge of commercial loan products
Maintain knowledge of commercial loan services
Call on potential customers
Develop and manage a portfolio of commercial loan accounts
Approve portfolio maintenance actions
Approve loan administration actions
Identify and evaluate deteriorating loan situations
Manage credit to minimize losses
Handle follow-up on delinquent loans
Handle collections on delinquent loans
Ensure compliance with TDECU policies
Ensure compliance with federal regulations
Ensure compliance with state regulations
Ensure compliance with NCUA regulations
How You'll Work.
Team & Collaboration
Work collaboratively; Partner with TDECU product leaders; Refer to other relevant products and divisions; Work in concert with internal analysts; Work in concert with external analysts; Work in concert with underwriters; Work in concert with processors; Work in concert with legal counsel; Work in concert with corporate credit review staff
Communication Scope
Interpersonal communication skills; Professional communication
Full Job Description
**Position Summary:** The Senior Commercial Loan Officer originates and services a variety of commercial loans (conventional, SBA, construction, C&I) to include some complex credits. Has substantial commercial lending knowledge and experienced in participating in business development activities, cultivating existing relationships, while promoting and developing new relationships. **Essential Duties and Responsibilities:** • Operate with commercial lending authority as established by credit policy. • Through sales calls and relationship building, develops new business and expands existing relationships aligned to production goals. 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. • Gather and evaluate documentation from applicants, structures, negotiates, 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. • Maintain knowledge of commercial loan products and services as well as knowledge of the industries or market areas served. • Call on potential customers • Ensure commercial banking relationships are fully developed, including specific efforts to serve the retail banking needs of the members’ owners/management/associates by partnering with TDECU product leaders. Actively refers to other relevant products and divisions. • Develop and manages a portfolio of commercial loan accounts that meet established lending requirements and maximize profitability to the credit union with minimal risk. • Review and approves portfolio maintenance and loan administration actions in
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