Commercial Loan Officer

OMNI Community Credit Union • Battle Creek, MI • 2h ago

OMNI Community Credit Union

Description:

OMNI Community Credit Union's Commercial Loan Officer is responsible for overseeing and coordinating all aspects of the Commercial Lending and Member Business Services Program. Work effectively as liaison with OMNI's Credit Union Service Organization and strategic partner, Commercial Alliance for Commercial Lending. Meet and/or exceed established commercial loan production goals. Seeking a candidate based in Michigan. Position is work from home flexible. OMNI Community Credit Union is an equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities.

Requirements:

Essential Duties and Responsibilities:

Managing and maintaining existing portfolio of $8MM - $20MM while identifying, attracting, and soliciting new opportunities in target markets to drive commercial and business loan growth.

Negotiating, structuring, and underwriting of new Commercial Loan opportunities including SBA 7(a) and 504.

Servicing of existing commercial loan portfolio and business members.

Presenting commercial loan opportunities to Senior Management and Underwriting.

Maintain and grow referral sources in target market.

Collecting, verifying and ability to analyze financial statements, tax documents, and business plans making sound recommendations for commercial loans.

Effectively make and respond to cold calls, leads, and referrals while exceeding service standards.

Travel to all branch locations and offsite business locations as required.

Interview applicants and pre-qualify commercial applications for commercial loans.

Work with OMNI team members and Commercial Alliance, being the main conduit between the two organizations. Responsible for being aware of all issues and concerns as it relates to his/her assigned portfolio and keeping both OMNI Senior Management and Commercial Alliance informed of issues, both current and potential.

Coordinate cross-selling activities in the commercial portfolio, including business and consumer depository products and services and consumer loan products.

Understand and implement organizational goals and expectations regarding volume, credit standards and cross sell activities.

Develop and maintain regular schedule for reporting commercial lending and cross-selling activity and performance to Senior Management.

Maintain public relations and close contact with prospects, community organizations and gatekeepers (attorneys, accountants, etc.), generating commercial leads on an ongoing basis.

Ensure that all commercial files kept at OMNI are complete and well organized in relation to standards set.

Improve ability of other employees who are sourcing commercial loans to pre-qualify prospects through continual training, mentoring and empowerment.

Perform such other duties and accountabilities as might be assigned to this position

Regular attendance is an essential function of he job as well as reporting to work on time and as scheduled.

Assist members and team members with problems or questions regarding business services.

Organize work and give prompt attention to team member and member requests while meeting deadlines for assigned tasks.

Advanced knowledge of and ensure compliance with Credit Union policies and procedures related to commercial loans.

Completes annual training of all required compliance regulations, including the BSA, and adheres to the regulations.

Maintain ongoing communication with supervisor, informing him/her of all pertinent problems, irregularities, new development, changes and other important information within area of responsibility.

Answer all telephone calls in a courteous and timely manner, and transfer calls to the appropriate personnel.

Maintain a professio

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