Commercial Lender - Huntingdon County Market

Who We Are:Arize Federal Credit Union is devoted to serving our members and our community by providing financial solutions to everyday challenges and improving the financial well-being of those we serve.

Arize is a $150M (and growing), community-chartered credit union servicing Centre and Huntingdon counties, with 3 full-service branches in State College and Huntingdon. As all our decisions are made locally, our environment revolves around a culture of teamwork, personal development, community, work-life balance and advocacy.

The Opportunity:Commercial Lender – Huntingdon County Market; full-time position in Huntingdon, PA.

We seek a self-motivated, friendly professional with the ability to originate, process, and manage the Credit Union's member business loan portfolio with an overall objective of increasing portfolio size and maintaining asset quality in the Huntingdon market.

What You’ll Do:

• Call on existing and potential members with the goal of expanding and developing business relationships.
• Represents the Credit Union at various networking and professional functions and events with the goal of developing new business relationships.
• Evaluates potential member business loan requests and takes applications. Reviews member financial condition and assesses the member's ability to repay the loan. Completes or directs completion of all loan documents and closes member business loans.
• Negotiates credit terms such as interest rates, fees, loan repayment methods, repayment structure, collateral, etc., within Credit Union policies and procedures and to be competitive with current market conditions.
• Prepares credit memos and supporting documentation to be presented to Member Business Loan committee and/or the appropriate approving authority.
• Develops and maintains business lending and deposit relationships for the Credit Union.
• Performs periodic and timely reviews of member business lending relationships as directed by Credit Union policy.
• Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on member accounts.
• Maintain a log recording for mortgages, assignments, vehicle titles, title insurance policies, UCC financing statements, insurance policies, tax records, member financial information and any loan related documents needed to complete and maintain the loan file.
• Prepare proposals letters, commitment letters, payoff letters, satisfaction pieces, termination documents, and other correspondence.
• Responsible for collection of past due loans.
• Reviews new laws and regulations that influence business lending and makes recommendations to management as appropriate. Ensures the Credit Union's compliance with all member business lending rules and regulations.
• Develops and maintains relationships with other credit union and industry professionals through networking efforts.

What You’ll Bring:

• 3 - 10 years of similar or related experience
• Trustworthy and works with High Integrity
• Motivating or influencing others is a material part of the job. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
• Experience in analyzing business financial statements and assessing the viability of businesses. Must have excellent communication and PR skills. Ability to use related software required.

Benefits and Perks: Arize Federal Credit Union provides a secure, stable working environment with financial incentives in addition to salary. Plus a full range of benefits including;

• Generous Incentive Plan
• Medical, Dental, Vision
• Life Insurance, Disability, Maternity Leave, Gap Insurances
• Flexible Spending Accounts
• Retirement - 10% Employer Flat Rate Contribution
  • 3% Safe Harbor Contribution after 1st month (100% vested)
  • 7% Contribution after 12 months (6 year vesting)
• 401(K) Plan
• Holidays and Generous Paid Time Off
• Education Assistance

To Apply: Send Cover Letter and Resume

Arize is committed to the principle of equal employment opportunity for all employees and applicants, and to providing employees with a work environment free of discrimination and harassment. All employment decisions at Arize are without regard to race, color, age, religion or belief, sexual orientation, family or parental status, or any other status protected by the laws or regulations in the locations where we operate.