What this role looks like:To manage Envista's portfolio of commercial loans and business accounts, with the overall objective of increasing loan volume and deposit balances; maintaining and improving its asset quality as well as developing new and existing business relationships. Responsible for ensuring loans are properly underwritten and accounts and services are set up according to set policies and procedures.
The day-to-day:- Responsible for developing commercial lending and deposit relationships for Envista. Calls on existing clients to expand business relationships and identifies and solicits prospective clients to expand Envista's client base.
- Takes applications, reviews members' financial condition, and assesses their ability to repay loans. Makes underwriting decisions within delegated approval authority. Completes or directs the completion and accurate execution of all loan documents. Presents loan opportunities to the Business Loan Committee when appropriate.
- Oversees commercial lending activities to ensure compliance with approved underwriting standards, policies, and procedures. Ensures commercial accounts and services are established in accordance with approved policies and procedures. Recommends changes to policies and procedures to executive staff, as appropriate.
- Directs, develops, motivates, hires, and disciplines department staff; administers performance evaluations and recommends appropriate personnel actions. Assists with staff development and training as necessary to achieve Envista's objectives.
- Monitors the existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date member files, including current financial information, cash flow projections, and all loan documentation. Ensures compliance with all applicable regulations.
- Assists members with loan and deposit related questions and concerns. Acts as a liaison between business members and branch managers. Assists with the training and support of other credit union staff involved in business services.
- Assists in the collection of past due loans.
- Performs other job-related duties as assigned.
Knowledge and skills:- Commitment to exceptional member service and ethical business practices.
- Proven business development and relationship management skills.
- Strong knowledge of commercial underwriting, credit analysis, loan structuring, and portfolio management.
- Knowledge of applicable federal and state lending regulations and compliance requirements.
- Leadership, coaching, and staff development experience.
- Ability to manage risk while achieving growth objectives.
Education and experience:- Bachelor's degree preferred, but not required.
- Five or more years of experience in commercial lending and business banking, with a strong understanding of commercial lending products, processes, and practices.
Our benefits:Competitive Compensation
Performance Incentives
Community Involvement
Career Advancement
Educational Opportunities
Health & Wellness Benefit
Paid Time Off
Health & Dental Insurance
Life & Disability Insurance
401(k) Plan with company match
Vision Insurance
Voluntary Life Insurance
Pet Insurance
Employee Assistance Program
