Vice President of Business Services

KEESLER FEDERAL CREDIT UNION is seeking to select a VICE PRESIDENT OF Business Service to join our TEAM!
Do you thrive in an environment where you are surrounded by a team that is driven, dedicated and authentic?
Do you think of advancing your career while being able to make a positive impact?
Are you ready to join a team that will celebrate your accomplishments and hold you up when you need support?
CAREER OPPORTUNITY SUMMARY
Keesler Federal Credit Union is seeking YOU... an experienced strategic leader with an established forward-focused outlook to join our team as the Vice President of Business Services. You will be an integral member of the Executive Management Team and report directly to the CLO.
ONE TEAM PHILOSOPHY
We are a diverse and inclusive company with over 800 team members. Our CEO will be the first to tell you...." Here at Keesler Federal Credit Union, we are ONE TEAM, committed to excellence." The Keesler Federal Credit Union team has over 75 years of service to over 300,000 members worldwide. We are the largest credit union in Mississippi, with over $4 billion in assets. Keesler Federal Credit Union has received the honor of Mississippi's Top Rated Credit Union 4 years in a row by Forbes Magazine. We have 40 full-service branch locations covering MS, LA, AL, and three RAF base locations in the United Kingdom.
THE SECRET COAST
The beautiful Mississippi Gulf Coast, also known as "The Secret Coast," is 26 miles of sugar-white beaches surrounded by unique coastal communities. We are a cultural melting pot that takes pride in our genuine hospitality and warm welcomes. A cornerstone of the community is the mouth-watering expertly prepared cuisine, from fresh gulf seafood to surprising international delights. Now, if that isn't enough, there are a variety of attractions such as museums, festivals, world-class gaming, and championship golf courses. Boating, kayaking, fishing, and hiking are just a few of the options for outdoor adventures, and if you're in the mood for a quick weekend getaway, we are a short drive to New Orleans or coastal destinations in Alabama & Florida; the choice is yours.
Compensation
An excellent competitive compensation package will be offered to the selected candidate.
Keesler Federal Credit Union team membersenjoy competitive salaries and a wide range of benefits, some of which include:

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Paid Leave
• Employee Assistance Program
• Tuition Reimbursement
• Short Term & Long Term Disability Benefits

Position:Vice President - Business Services
Department:Business Services
Reports To: SVP/Chief Lending Officer
FLSA: Exempt
SUMMARY
Responsible for the corporate oversight and management of the Business Services Department. This encompasses various functions, not limited to, the development of Business products and services, sales and service for business members, staff development, operational efficiency, management of the business loan portfolio, ensuring portfolio growth and profitability, and maintaining asset quality. Additionally, supervises the business development program and administers important relationships related to commercial lending accounts.
SUPERVISORY RESPONSIBILITIES
Responsible for overall management of the Business Services, including but not limited to interviewing, selecting, and hiring team members; scheduling, assigning, training, and directing work; evaluating performance; coaching, counseling, rewarding and disciplining team members; recommending team members for transfers, promotions, and terminations; strategic planning; actively participating as a member of the senior management team.
ESSENTIAL FUNCTIONS

• Ensures and actively manages all aspects of the business loan portfolios, including the development and ongoing review of credit union underwriting criteria.
• Maintains and updates the Business Lending Policy, ensuring compliance across all activities.
• Responsible for the Business Services Management responses for NCUA examinations as well as internal and external audits.
• Oversees the work of Business Services Department team members.
• Directs and supervises all Business Services functions within the credit union.
• Manages the departments operational budget.
• Develops, proposes, obtains approval, and implements strategic plans designed to meet the credit union's short- and long-term business lending objectives.
• Assists Commercial Loan Officers with complicated accounts and guides new team members on credit policy and complex financing arrangements.
• Oversees the business development functions.
• Initiates contact with major business accounts to cultivate new relationships and potential clients.
• Establishes and maintains continuous guidance on business lending policies and procedures.
• Promotes new services to current clients and retains existing business by personal contacts.
• Approves loans exceeding Commercial Loan Officer lending limitations.
• Oversees the business deposit account practices and procedures.
• Establishes and ensures the implementation of target goals for the department, monitoring to ensure increased loan production is achieved.
• Oversees the hiring, promotions, transfers, terminations and changes in status of team members within the Business Services Department ensuring a well-trained and highly motivated staff.
• Ensures compliance of all business lending policies, procedures, underwriting standards, applications, and disclosures with applicable laws and regulations, duly documented. Responsible for oversight and monitoring of the Business Services Loans and Deposits.
• Prepares and delivers reports for management and Board of Directors as directed.
• Develops and maintains prudent credit and risk management of the loan portfolio.
• Conducts ongoing and periodic assessments of borrowers' financial condition throughout the life of the loans or lines of credit.
• Reviews pricing surveys and recommends interest rate and/or product changes for relevant loan products, including promotional rates.
• Ensures business lending functions comply with federal laws and regulations set forth by the National Credit Union Administration and other regulatory agencies.
• Stays updated on industry changes and evolving trends in business lending, responding in a manner that sustains competitiveness.
• Represents and promotes the credit union at external functions.
• Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC)
• Uses Integrity Coaching skills to routinely and effectively coach staff to meet personal, departmental, and organizational goals, including documenting and tracking progress and results.

Other Duties and Responsibilities:

• Miscellaneous duties as assigned by SVP/CLO.

KNOWLEDGE & SKILLS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education:
Equivalent to a college degree (BS or BA in a relevant field).
Experience and Other Requirements:

• Eight or more years of similar or related experience.
• Must possess knowledge of NCUA, Federal and State Regulations as relates to commercial lending.
• Must possess exceptional knowledge and understanding of financial institution commercial lending guidelines.
• Must develop and maintain in-depth knowledge of Symitar System.
• Must possess excellent underwriting skills for loan reviews.
• Strong analytical and reasoning skills required.
• Must possess the confidence and decisiveness to make sound judgments in the loan approval function.
• Must possess the ability to maintain good working relationships with co-workers, Management, and Department Head Staff and various agency personnel.
• Must possess excellent oral and written communication skills.
• Must be able to handle members in an assertive and tactful manner and be able to handle complex member inquiries.
• Must be able to manage a number of priorities simultaneously, establish and meet deadlines, coordinate activities with other departments, and perform job with accuracy and attention to detail.

Computer Skills:

• Must be proficient in use of Personal PC, including proficiency with word processing, spreadsheet, and presentation software.
• Must be proficient using the internet and e-mail.

Interpersonal Skills:
The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job and a high level of interpersonal skills is critical to the success of this position. Work frequently involves contacts requiring considerable discussion of problems, material presentations, and resolving issues impacting departments or divisions.
Certificates, Licenses and Registrations:
None required.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by a team member to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the team member is regularly required to sit, stand, walk; use hands to finger, handle, feel or grasp; reach with hands and arms; talk and hear; and stoop, crouch, or crawl. The team member is occasionally required to lift and/or move up to 10 pounds.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those that must be met by a team member to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Extensive use of desktop computer is required. The noise level is that of a normal office environment.
DECLARATION
The human resources department retains the sole rights and discretion to make changes to this job description.
#HPIND
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)