VP Commercial Loan Officer

Vice President, Commercial Loan Officer The Vice President, Commercial Loan Officer will manage and develop a commercial business portfolio through prospecting, leveraging relationships with centers of influence, and identifying cross-selling opportunities with existing members. This role will report to our Vice President, Commercial Lending & Business Services. Essential Functions & Responsibilities: -Cultivates new lending and deposit opportunities that can be developed into strategic relationships; develops, retains, and maintains loan and deposit relationships. -Coordinates the generation, underwriting, and management of commercial loans. -Exercises due diligence in analyzing loans, including assessing risks, real estate analysis, cash flow, profitability, and credit while adhering to regulatory requirements. -Interviews business loan applicants; researches business; collects and analyzes tax and financial information to determine the current creditworthiness. -Understands and maintains a broad level of knowledge on small business & commercial products to foster relationship-building. -Assists in the management of the loan portfolio to ensure credit quality and to minimize losses. -Ensures borrowing members adhere to loan covenants, maintains current member risk ratings, and ensures credit files remain current. -Reviews maturing loans and presents for renewal if applicable. -Manages and gathers financial information to perform annual loan review, recommends changes to risk ratings when appropriate, and monitors covenant compliance. -Conducts yearly site visits to coordinate with annual loan review of the commercial portfolio if necessary. -Assists in resolving commercial business loan delinquencies and servicing issues. -Deescalates challenging member situations by problem-solving, exercising sound judgment and decision-making skills. -Analyzes loan requests, terms, evaluation of credit risk, and other vital factors and presents administrative issues for approval. -Supports department metrics and monitors metric performance. -Identifies opportunities to build awareness, share successes, and close gaps relative to performance inhibitors. -Participates in the development of overall department operating policies and procedures. -Promotes Jeanne D'Arc Credit Union through community involvement, memberships in organizations and business networks, and visibility at community events. Knowledge & Skills: -Seven to ten years of related experience. Must have a valid driver's license and a good driving record. -Bachelor's degree required or an equivalent. -Ability to motivate and influence others. -Advanced negotiation and conflict resolution skills are required, including the ability to diffuse upset members skillfully and gain the trust and cooperation of others. -Exceptional written and verbal communication skills are required, including providing clear delegation of tasks and presenting confidently to individuals at all levels. --Empathy, patience, active listening, and sound judgment are required. This position requires a high degree of confidentiality, discretion, diplomacy, and tact in communication. -Ability to understand and communicate products, services, and regulations. -Proficiency with Microsoft Office, business applications, and learning the core system and other related software are required. -Apply cognitive reasoning to daily tasks, take ownership, and work independently. -Writing, reading, and comprehending complex instructions, correspondence, memos, policies, and procedures. -Ability to dissect raw data into a summarized analysis and perform research on current and new lending practices. -Applies knowledge and experience to develop solutions and implement appropriate actions. -Position requires driving and frequent local travel, attendance at events.