What are the responsibilities and job description for the MEMBER BUSINESS LENDING OFFICER position at POINT BREEZE CREDIT UNION GROUP?
Job Details
Job Location: Hunt Valley Office - Hunt Valley, MD
Position Type: Full Time
Education Level: 4 Year Degree
Salary Range: Undisclosed
Job Shift: Day
Job Category: Banking
Description
Point Breeze is looking to add a Member Business Lending Officer to our team!
Point Breeze Credit Union offers easy, reliable banking by helping our members save time and money. This starts with a dedicated and engaged team of employees who have a shared passion for helping each other and our members. As employees of Point Breeze Credit Union we follow the Rules of the Road: Deliver Quality and Value, Focus Our Efforts, Participate and Be Candid, Take Responsibility, and Be Kind.
The essential functions of this role are:
- Buildthe credit union’s business loan portfolio through developing and cultivating high quality relationships with existing members as well as prospects.
- Business development through networking events, prospecting, and centers of influence to build the commercial loan portfolio.
- Retention of relationships with existing credit union business members.
- Proactively scheduleappointments and meetings with members and perspective members to assist them with lending needs.
- Assistbusiness members through all steps of the loan process.
- Cross-sellall lending as well as other credit union products / services.
- Interview members applying for business loans. Answer all questions regarding rates and qualification requirements, explain the business loan program and obtain pertinent financial data from the member.
- Review business portfolio / file to verify that all documentation has been received; analyze and underwrite the information gathered in relation to the credit union policy; prepare file for review by reconciling the income, appraisal value, credit history; determine the terms and conditions of the loan; and present loan documentation to loan reviewer for approval.
- Maintain loan documentation in the member's file, ensuring all policies and procedures are followed.
- Perform site visits on properties secured by the credit union or prospective loans.
- Responsible for various business servicing functions such as, but not limited to, escrow disbursements, process paid loans, and filing recorded documents.
- Responsible for coordinating the settlement with buyers, sellers, real estate agents, attorneys, and others.
- Calculate loan amount and disburse funds for settlement. Prepare and review final documents for accuracy to be signed at settlement.
- Adhereto all credit union compliance requirements, including Bank Secrecy Act (BSA) guidelines and regulations as explained and as appropriate for the position.
Qualifications
Successful applicants will have:
- A bachelor’s degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor’s degree.(Bachelor’s Degree Preferred)
- Familiarity with business loan products and features.
- Minimum 5 years-experience in the Commercial Lending field.
- Proven track record of growing loans and new business.
- Solid analytical, creative, and problem-solving ability.
- Excellent interviewing, telephone, and interpersonal skills.
- Attention to detail.
- Independent worker.
- Abilityto travel within credit union territory to meet with business owners and attend events.
- Proven written and verbal communication skills.
- Good organizational skills.
- PC proficient
