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Vice President Business Lending

Company: Red Canoe Credit Union
Location: Longview
Posted on: September 12, 2020

Job Description:

Strong credit underwriting skills.

POSITION PURPOSE - Develop and execute a comprehensive plan for growth and enhancement in commercial lending and promote credit union services to current and potential business members. Other responsibilities include: supervise department staff, develop, report, and recommend improvements to the business lending and deposit product line, evaluate and underwrite loan application requests, review financial reports/tax returns, monitor credit risk, identify prospects and referral sources for solicitation through local community involvement, etc. Must possess a proven track record in organizational improvements.. ESSENTIAL JOB FUNCTIONSVP/MANAGERIAL ROLE - Responsible for planning, organizing, implementing, and controlling the activities of the Business Lending Department in conjunction with and as directed by the CLO. Provide guidance, feedback, support and leadership to management and staff. Exhibit excellent communication skills and business acumen. Handle any questions, complaints, or problems that may arise. Complete staff performance appraisals in a timely manner.EVALUATE LOAN APPLICATIONS/PERFORM BUSINESS CREDIT ANALYSIS/UNDERWRITE LOANS - Consult with current and prospective business members to determine their financial needs, collect necessary loan application information, etc. Gather and analyze appropriate credit reports and financial information to evaluate the borrower’s ability to repay. Proficient in underwriting commercial credit amounts up to $250,000. Participates as a member of the ‘Business Loan Committee’ for loan requests over $250,000.ACCOUNTS & OTHER SERVICES - In coordination with Operations, responsible for origination of business deposit relationships, business account growth and related processes. Includes related staff training/development and recommendation of new products and services.MEMBERSHIP - Develop and maintain strong branch relationships to assist in growth of branch business portfolios.MARKETING - Develop and maintain beneficial community and business relationships with community leaders, Small Business Development Centers and Community Development Centers to foster growth in targeted areas.RESOURCES - Maintain an awareness of competitive products, practices, and pricing reflecting changes in the Credit Union’s primary market areas. Keep abreast of economic and financial trends to assist in the determination of risk.COMPLIANCE - Observe policies and procedures and make recommendations for improvements. Assure adherence to internal controls to ensure compliance with Credit Union goals, objectives, policies, procedures, and applicable laws and regulations.. OTHER BASIC DUTIES. Performance Management/Evaluations. Make daily observations within department, takes note of staff production, accomplishment of goals, tardiness, etc.. Training/Cross-Training. Evaluate departmental needs and responsibilities to ensure adequately trained staff.. Staff Relations. Assures an atmosphere of cooperation and teamwork is maintained.. Obtain needed documents in order to meet lending criteria as outlined within loan policy and/or the Business Operating Procedural Manual. These types of documents include, but are not limited to, appraisal, credit report, title insurance, UCC searches and environmental reports.. Discuss proposed loan with CLO and/or Business Loan Committee to obtain preliminary approval prior to proceeding with underwriting process.. Prepare loan narrative and supporting documents for internal (or externally if needed) underwriting.. Maintain ongoing relationship with borrower as related to the initial transaction as well as ongoing annual financial analysis.. Obtain and review loan documents from external underwriter (if needed) in preparation for loan closing; obtain final approval from CLO and/or Business Lending Committee, as per policy.. Coordinate closing loan activities with borrower, underwriter, and the title company if applicable.. Answers questions relating to business accounts and loans.. Responsible for verifying business inventories and floor plans as required.. Responsible for oversight of preliminary collection activity of business accounts.. Represents the credit union in the community (i.e., Trade and Service Organizations, etc.).. Communicate approval or denial of business loans to the business member.. Develop monthly reports to communicate results with management.. Responsible for business continuity planning/response/resumption for immediate department/branch.. Other related duties as assigned.. BASIC REQUIREMENTS. Must be bondable.. Must meet schedule and deadline commitments.. Demonstrate excellent speaking and writing skills.. Excellent problem-solving ability.. Ability to prioritize, organize, and work independently.. Ability to handle the urgencies and complexities commensurate with the position, arriving at constructive solutions and maintaining positive relationships.. Must possess a competitiveness to make loans and meet goals.. Projects a professional image and neat appearance.. A valid driver’s license is required.. MINIMUM QUALIFICATIONS. Bachelor’s degree in business or related field preferred.. Five+ years’ experience in managing a commercial loan portfolio and minimum of seven years in a commercial lending environment.. Ability to read English by sight; and, both speak and write English.. Ability to hear by telephone and in person.. General - The physical demands described here are representative of those that must be to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. Ability to travel by air and other public/private transportation to visit a variety of employer locations in the community and across the nation. Ability to meet with small and large groups of people in order to effectively present the benefits of Red Canoe members, and to effectively answer questions.. Physical - Office mobility required. Approximately 20% standing, 70% sitting, 10% walking, as need demands. Possess sufficient manual dexterity to skillfully operate standard office equipment including a computer, 10-key calculator, facsimile machine, photocopier, and telephone. Other demands include talking, handling & reaching, seeing (corrected vision) and hearing in normal range. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. A telephone device to enhance hearing will be provided if needed. Occasional light lifting. The employee must occasionally lift and/or move up to 40 pounds. Periodic inter-branch or interdepartmental access may be required, including for distribution and access to various materials, equipment, meetings, etc. Storage and retrieval of materials, maximum reach required is 84 inches.. Mental - Mental effort required involving considerable organization, planning and analytical efforts with superior communication. General demands include: alertness, memory, observation, empathy, ingenuity, learning ability, problem solving; patience; initiative; memory; objectivity, creativity, speaking ability, reading and writing ability, judgment, persuasiveness, concentration, flexibility, precision, and auditory discrimination.. Environmental - Minimal discomfort from heat, dust, air conditioning. The noise level is usually moderate, including external road noise. Transport within remote branch and/or main office/facility may be single or multilevel (as required) including a variety of stairways, elevators, etc. Exposure to computer and other electronic equipment. Lunch/break area exposed to microwave; and is located in basement at main office. Facility is 100% free of tobacco smoke.. Equipment - Essential equipment used includes, but may not be limited to telephone, personal computer, other on-line computer terminal(s), calculator, and office security systems. Non-essential equipment generally includes paper shredder, photocopy machine, facsimile (fax) machine, etc.. Red Canoe Credit Union - 1 day ago - save job. If you require alternative methods of application or screening, you must approach the employer directly to request this as Indeed is not responsible for the employer's application process.. Get job updates from Red Canoe Credit Union. Thousands of employers search for candidates on Indeed

ESSENTIAL MENTAL, PHYSICAL & ENVIRONMENTAL DEMANDS

Keywords: Red Canoe Credit Union, Longview , Vice President Business Lending, Other , Longview, Texas

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