Sr. Commercial Loan Officer

Summary : The Senior Commercial Loan Officer originates and services a variety of commercial loans (conventional, SBA, construction, C&I) to include some complex credits. Has substantial commercial lending knowledge and experienced in participating in business development activities, cultivating existing relationships, while promoting and developing new relationships.

* Operate with commercial lending authority as established by credit policy.
* Through sales calls and relationship building, develops new business and expands existing relationships aligned to production goals. Identifies banking needs, secures financial data for analysis, and makes proposals for new business. Reviews existing account relationship for opportunities to meet additional needs with other products or services, makes proposals as appropriate.
* Gather and evaluate documentation from applicants, structures, negotiates, and closes all types of commercial loans within established credit authority limits; oversees processing of commercial loan documents and file maintenance; coordinates collection activities; provides direction to loan servicing, collection, loan administration support staff and guide to less experienced commercial lenders; participates in loan approval process.
* Maintain knowledge of commercial loan products and services as well as knowledge of the industries or market areas served.
* Call on potential customers
* Ensure commercial banking relationships are fully developed, including specific efforts to serve the retail banking needs of the members' owners/management/associates by partnering with TDECU product leaders. Actively refers to other relevant products and divisions.
* Develop and manages a portfolio of commercial loan accounts that meet established lending requirements and maximize profitability to the credit union with minimal risk.
* Review and approves portfolio maintenance and loan administration actions in accordance with TDECU, Federal, State and NCUA policies.
* Responsible for identification and evaluation of deteriorating loan situations in order to recognize charge-off loans early and manage credit to minimize losses. Handles follow-up, collections, or delinquent and problem loans as requested.
* Work in concert with internal and external analysts, underwriters, processors, legal counsel, and corporate credit review staff to ensure compliance with TDECU policies and procedures and federal, state, and NCUA regulations.
* Complete any other job-related duties needed to help drive to our Vision, fulfill our Purpose, and abide by our Organization's Values.

Education
Bachelor's degree in business, finance, management, or an equivalent mix of education and experience is required.

Experience
* Five or more years of experience with Proven track record of originating loan volume of $12-25MM per year. Experience with member/client service, analyzing business financial statements, assessing loan risk, and processing commercial loans required.
* Experience with SBA and USDA loan program parameters is preferred
* Previous or current NMLS Registration and eligibility to transfer to TDECU is required.

Knowledge, Skills, and Abilities
* Expert knowledge of commercial lending including construction, CRE and C&I.
* Ability to work both remotely and collaboratively and maintain efficiency in either environment.
* Ability to exercise critical thinking skills, assess threats and propose solutions.
* Consultative selling skills are required.
* Strong interpersonal communication skills and ability to establish and maintain professional communication within the team.
* Strong desire to continue learning through provided CE opportunities.
* Demonstrate strong core values of integrity, inclusion, empathy, and accountability.

Physical Demands and Work Environment:
(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and/or may be encountered while performing essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)
* Travel within the market (50%+), occasional overnight (5%)
* Remote/hybrid position working from home office (80%)
* While performing the essential duties of this position, an employee would frequently be required to stand, walk, and sit. An employee must frequently lift and/or move up to 10 pounds and may occasionally lift and/or move up to 25 pounds to perform essential position functions.
* Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.