Description **Join Our Team as a Commercial Loan Officer at Valley Credit Union!** Are you passionate about building strong business relationships and helping local companies grow and thrive? Valley Credit Union is seeking an experienced and dynamic Commercial Loan Officer to join our dedicated team. In this role, you will have the opportunity to partner with business owners, understand their unique financial needs, and provide tailored lending solutions to support their success. If you thrive in a collaborative environment, are driven by meaningful relationships, and enjoy making a positive impact on your community, we'd love to hear from you! Valley maintains a strong culture built around our Vision and Mission. We expect all employees to live by and hold others accountable to our Cultural Beliefs. It DOES matter where you belong. Ready to help businesses flourish? **Position Summary** The Commercial Loan Officer originates, manages, and supervises a portfolio of commercial loans with the overall objective of maintaining required asset quality as set out by policy and management. Collects and analyzes financial and background information on commercial borrowers to determine credit worthiness. Develops new and existing business relationships. Manages relationships as assigned by management from existing borrowing members. This position may spend some time away from their office in performing loan sale duties for products offered by Valley Credit Union. Requirements **ESSENTIAL DUTIES** Take applications for commercial loan business. Review customer financial condition and background information to assess the customer's ability to re-pay the loan. Complete all loan documents and/or work with commercial loan processing staff to close loans. Participate in developing lending and deposit business for the company. This may require spending time away from the office to develop and maintain a referral network through marketing, cold-calling, prospecting, and networking activities. Call on clients to expand existing business; call on prospect seeking opportunities to expand the company's client base. Participate in community efforts to promote the Credit Union’s products, services and commitment to expanding its member base. Take responsibility for meeting departmental goals as well as contributing to the overall Credit Union goals. Monitor existing loan portfolio to maintain the level of credit quality required by policy and management. Maintain up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation. Ensure an exceptional customer service experience by serving as a primary contact with all parties overseeing the loan process on individual loans originated from application to closing. Provide on-going communication to customers and business partners. Counsel and prequalify potential borrowers. Present loan terms to prospective borrowers. Oversee loan process by monitoring loan status and ensuring conformity with terms. Provide guidance and open communication with loan processors and supervisor regarding coordination of workflow and files in progress. Promote other Credit Union products and services in order to explain and promote them to members based on their needs. Refer other Credit Union services to meet goals. Comply with NMLS standards. Assist in collection of past due loans. Assist 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. Perform any additional duties as assigned. **KNOWLEDGE, SKILLS, and ABILITIES** Ability to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Demonstrated understanding of mortgage processing, underwriting, and closing procedures. Knowledge of conventional and governmental lending guidelines. Knowledge of word processing, spreadsheet, email software and use of the Internet. Must be proficient in Microsoft Office programs including Word and Excel. Read and carry out various written instructions and follow oral instructions. Speak clearly and deliver information in a logical and understandable sequence. Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to demonstrate high levels of accuracy and attention to detail. Ability to deal calmly and professionally with diverse personalities and cultures at various levels within and outside of the organization. Ability to communicate with others inside and/or outside the organization, generally regarding routine matters for the purpose of giving and obtaining information, as well as advising or referring. Ability to establish priorities, set goals and meet deadlines in an accurate and efficient manner. Ability to effectively handle multiple, simultaneous, and changing priorities. Ability to exercise courtesy, tact, and diplomacy. Ability to demonstrate highest levels of customer service and discretion when dealing with the public. Ability to exercise the highest level of discretion (internally and externally) with confidential matters. Summary **RESPONSIBILITIES & EXPECTATIONS** Demonstrate and consistently follow Valley's Cultural Beliefs: + Own It – accountable for work / achieving goals + Know It – knowledgeable of products and services to help members + Find a Way to Say YES – focus on what we can do + Come Together – work well with others / share knowledge + Community Servers – positive ambassador + Relationship Matters – develop and maintain positive relationships. Know and understand the mission and vision of the Credit Union. Strictly adhere to the Credit Union's policy of confidentiality, security, professional conduct, and dress. Maintain a professional image when working with members and coworkers. Maintain current knowledge of all rules and regulations and perform at all times in compliance with laws and regulations relating to the position and Credit Union. Develop a thorough knowledge of Valley’s products and services in order to explain and promote them to members and nonmembers based on their needs. Maintain absolute integrity and high sense of ethical behavior, both on and off the job. Serve as a representative of the Credit Union by participating in community and civic functions and professional organizations. **SERVICE STANDARDS** Create a positive and personal experience at each touch point. + Greet all members with a genuine smile. + Provide my member with fast and efficient service. + Be professional in all aspects of my service. + Ask my member what else I can do for them. + Stand up to greet my member and walk them into my office if applicable. + Shake my members hand, when appropriate. + Thank my member by name and walk them to the door, when appropriate. Be knowledgeable so that I may provide solutions for members that exceed their expectations. + Learn our product and services so that I can educate our members. + Listen to the member and suggest products that would most benefit them. Be a positive co-worker. + Help my co-workers whenever I can. + Be positive and provide encouragement. **QUALIFICATIONS** 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. **SUPERVISORY RESPONSIBILITIES** This position does not have any supervisory responsibilities. **EDUCATION and/or EXPERIENCE** Bachelor's degree (BA/BS) from four-year college or university; two to four years related experience and/or training; or equivalent combination of education and experience. Commercial lending or commercial credit analysis experience required. Previous financial experience preferred. **PHYSICAL DEMANDS** The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to sit and/or stand; climb or balance; and stoop, kneel, crouch or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Able to routinely perform work on computer for an average of 6-8 hours per day, as necessary.