Makes and services a variety commercial loans (conventional, SBA, Construction, C&I) to include some complex credits. Develops and manages commercial loan accounts that meet established lending requirements and maximize profitability to the credit union with minimal risk. Provides portfolio maintenance and loan administration in accordance with SSFCU, Federal, State and NCUA policies. Operates with commercial lending authority as established by credit policy. Develops new business and expands existing relationships. Maintains knowledge of commercial loan products and services, as well as knowledge of the industries or market areas served. Calls on potential customers, 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. Makes sale calls in the calling program to achieve individually established goals. Gathers, evaluates, underwrites 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. Manages loans within loan portfolio. Prepares letters pertinent to maintaining collateral documentation, financial statements, and other lending activities. Releases liens such as titles, mortgages, paid notes, etc. 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. Works in concert with internal and external auditors and corporate credit review staff to insure compliance with bank policies and procedures and federal, state, and NCUA regulations. Completes any other job related duties needed to help drive to our Vision, fulfill our Purpose, and abide by our Organization's Values.

Bachelor degree in Business Administration or equivalent education and/or experience. Ten (10) years in commercial lending and managing a commercial loan portfolio and member/customer service with a strong emphasis in business product knowledge. Five (5) years of credit analysis/underwriting experience or equivalent commercial lending experience. Proven track record in sales ability/aptitude and business development. Strong verbal and written communication skills and the ability to meet deadlines and maintain attention to detail. A high level of analytical skills. Ability to perform in a high volume environment. Strong sales skills and ability to negotiate.