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Form of workNavigator Credit Union is currently recruiting for a full time Commercial Loan Officer. If you have a passion for exceptional service and relationship building and want to work as part of a team that focuses on creating substantial value in the communities we serve, we want to hear from you! We encourage all interested, qualified candidates that enjoy working in a fast paced environment to apply. We provide paid vacation, paid holidays, 401k with a company match, medical, and several other benefits for our team members. Navigator Credit Union is an Equal Opportunity Employer. Navigator does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law.
ROLE: Originates, manages, and supervises a portfolio of Commercial Loans, with the overall objective of maintaining and increasing its asset quality. Develops new and existing business relationships.
DESCRIPTION OF DUTIES:
• Takes applications for Commercial Loan business. Reviews customer financial condition and assesses the customer's ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans.
• Participates in developing lending and deposit business for the company. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the company's client base.
• Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
• Assists in collection of past due business loans.
• Assists customers with any loan-related questions and concerns.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
EXPERIENCE:
• Business and or Commercial Lending experience preferred.
EDUCATION:
• High School diploma or equivalent is required.
• A college degree or completion of a specialized course of study preferred.
SPECIFIC SKILLS:
• The ability to generate and maintain professional business relationships with internal and external members. Strong presentation skills.
• Excellent time management skills.
• Ability to work independently or as part of a team.
• Goal oriented with experience meeting or exceeding sales goals.
• Above average verbal and non-verbal communication skills.
• Working knowledge and experience in the Commercial/Business Lending industry.
ADA REQUIREMENTS:
PHYSICAL REQUIREMENTS:
• Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 4-6 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
MENTAL REQUIREMENTS:
• Must be able to perform job functions independently and work effectively either on own or as part of a team. Must be able to plan and direct the work activities of self and others. Must be able to read and carry out various complicated written and oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.
ROLE: Originates, manages, and supervises a portfolio of Commercial Loans, with the overall objective of maintaining and increasing its asset quality. Develops new and existing business relationships.
DESCRIPTION OF DUTIES:
• Takes applications for Commercial Loan business. Reviews customer financial condition and assesses the customer's ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans.
• Participates in developing lending and deposit business for the company. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the company's client base.
• Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
• Assists in collection of past due business loans.
• Assists customers with any loan-related questions and concerns.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
EXPERIENCE:
• Business and or Commercial Lending experience preferred.
EDUCATION:
• High School diploma or equivalent is required.
• A college degree or completion of a specialized course of study preferred.
SPECIFIC SKILLS:
• The ability to generate and maintain professional business relationships with internal and external members. Strong presentation skills.
• Excellent time management skills.
• Ability to work independently or as part of a team.
• Goal oriented with experience meeting or exceeding sales goals.
• Above average verbal and non-verbal communication skills.
• Working knowledge and experience in the Commercial/Business Lending industry.
ADA REQUIREMENTS:
PHYSICAL REQUIREMENTS:
• Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 4-6 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
MENTAL REQUIREMENTS:
• Must be able to perform job functions independently and work effectively either on own or as part of a team. Must be able to plan and direct the work activities of self and others. Must be able to read and carry out various complicated written and oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.
