Sr Commercial Lender

PRIMARY PURPOSE:  Provide leadership to other commercial lenders for growth and structure.  Develop and manage commercial and commercial real estate loans which meet established lending requirements to provide maximum return with a minimum of risk.  Develop business and community relationships to foster the growth of Wings Financials’ business member base.  

ESSENTIAL FUNCTIONS:

• Provide guidance to other Commercial Lenders in structuring loans and assist in navigating through the credit and loan operation processes;
• Develop and maintain loan referral relationships via centers of influence to provide consistent sources of new loan production opportunities for the department.
• Prospect and grow commercial deposit and Treasury Management services from new prospects and existing members to assist in providing funding for new loan production and fee generation.
• Consistently applies superior decision-making techniques pertaining to inquiries, approvals and requests as they apply to existing policies, procedures, and economic environment;
• Originate and structure larger, complex, commercial real estate and commercial loan relationships between $1 million and $35 million by contacting prospects and members to identify commercial lending needs;
• Manage loan portfolio of $300 million and greater;
• Insure that all loans are closed according to approved terms and conditions following prudent documentation systems to maintain priority and collectability;
• Manage Commercial Loan portfolio of $300 million and greater to identify credit risk rating changes and according to established policies and procedures;
• Collect and analyze member financial information with assistance of credit analyst in evaluating ongoing debt service capacity of the member for annual reviews of outstanding loans and new loan requests;
• Meet with members periodically to discuss possible changes in business management, financial trends or industry changes;
• Coordinate site visits with prospects or members at property or business location to assess ongoing business / property cash flow generation capability; 
• Prepare and present new commercial loan requests and annual reviews to Chief Lending Officer and Business Loan Review Committee (BLRC) for approval;
• Assist in collection of information for annual review preparation to support prudent loan portfolio management and ensuring compliance with NCUA guidelines.
• Other duties as assigned by manager related to the Commercial Services Department.

ADDITIONAL RESPONSIBILITIES:

• Maintain full knowledge of all available credit union products and services. 
• Cross-sell and make referrals to other credit union departments including: personal deposits, consumer loans, home mortgages and investment services. 
• Continuing education and networking throughout the year to gather knowledge of changing industry trends;
• Participate in community activities and civic organizations to increase Wings Financials’ community involvement visibility.

QUALIFICATIONS:

• College degree preferred or equivalent work experience as demonstrated by increased levels of accountability, knowledge required;
• Minimum of 7-10 years of commercial and commercial real estate lending experience required;
• Desire, ability and experience in working with people in a professional setting as demonstrated by a positive, enthusiastic attitude, exceptional interpersonal skills, professional business appearance and previous work experience;
• Bondable
• Experienced and proficient in Microsoft Office products, including: Excel, Word and PowerPoint;
• Excellent oral and written communication skills.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Benefits:
• Generous 401(k) match
• 401k Discretionary Profit Sharing
• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Short Term and Long Term Disability
• Health Savings Account with company contribution
• Employee Assistance Program
• Paid Vacation, Sick, Floating Holidays and Volunteer Time Off)
• Paid Holidays
• Tuition Reimbursement
• Paid Parental Leave