NATURE AND SCOPE:
This position reports to the SVP, Commercial Banking Team Lead. The VP, Commercial Banking Officer sells and services commercial loans, accounts and other appropriate products and services to existing and new business members focused on operating companies. Conducts discussions, both in person and over the phone, with prospective and existing business members. Responsible for achieving/exceeding specific sales and service goals. This position will be located in Landmark's new McHenry, Illinois branch supporting the Southern Wisconsin and Northern Illinois markets.
REQUIREMENTS:
1. Bachelor's degree in related field and a minimum of 5 years of commercial lending experience. Equivalent combination of education and experience will also be considered.
2. Must be a credit-skilled lender and have knowledge of laws and regulations governing commercial lending and the ability to underwrite commercial loans.
3. Must have strong sales profiling skills with a history of successful new customer generation.
4. Must have experience or be able to gain proficiency in all programs and systems used for this job including systems related to deposit and loan products.
5. Must possess excellent oral and written communication skills, problem solving skills, organizational skills, and the ability to work independently as a valuable team member in a dynamic environment.
6. Must have the ability to use independent judgment and discretion in various situations while maintaining a high degree of confidentiality.
7. Must develop a thorough understanding of company policies and procedures as they relate to this position. Must comply with all company policies and procedures and all job-related state and federal laws and regulations.
PRINCIPAL ACCOUNTABILITIES:
1. Establishes and manages an ongoing and proactive calling program focused on prospective business members.
2. Interviews prospective members applying for commercial loans and/or for business deposit services.
3. Requests the appropriate financial information necessary to underwrite commercial loans per Landmark's Commercial Lending Policy.
4. Works with the Team Lead, Commercial Banking Underwriter or Portfolio Manager to underwrite commercial loans according to Landmark's Commercial Lending Policy
5. When appropriate, attends and presents commercial loan requests to the Commercial Loan Committee.
6. Works with the Commercial Loan Documentation personnel to ensure the right documents are generated for each loan. Reviews all loan documentation to ensure they properly represent approved terms and present all borrower information accurately.
7. Ensures that all necessary documentation is complete per Landmark's Commercial Lending Policy prior to loan closings.
8. Resolves all loan exceptions in a timely manner.
9. Continues to monitor business relationships to minimize risk of losses over time.
10. Completes loan reviews and renewals as per Landmark's Commercial Lending Policy.
11. Assists in mentoring and training the branch staff in identifying potential business relationships.
12. In addition to growing the commercial loan portfolio, also responsible for growing business deposits and selling additional business related products and services.
13. Cross-sells other appropriate Landmark products and services.
14. Assists with collection activities related to commercial loans and accounts.
15. Represents Landmark Credit Union in the community by becoming involved in appropriate community activities and organizations.
16. Performs other duties as assigned.
Benefits Offered
1. Paid time off
2. Health, dental, and vision insurance
3. Retirement benefits
4. Career and professional development
5. Employee assistance program
6. Education assistance
7. Holiday pay
Pay Range
$122,900 to $196,700, depending on qualifications
