Utah Community Credit Union (UCCU) · 4 months ago
Commercial Loan Officer II
St George, UT
Full-time
Onsite
Mid Level
3+ years expUtah Community Credit Union (UCCU) is seeking a Commercial Loan Officer II to manage and evaluate commercial loan requests. The role involves meeting with applicants, analyzing loan requests, maintaining effective relationships with members, and ensuring compliance with lending policies.
BankingFinancial ServicesNon Profit
Responsibilities
Assumes responsibility for the effective and professional completion of assigned business loan functions
Interviews, takes applications, and processes preliminary documentation on business loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members
Analyzes and evaluates loan requests and prepares written submission for consideration by the Commercial Loan Committee. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems
Assists in review of construction loan advances on commercial properties
Conducts property inspections as assigned
Follows-up on all matured loans
Assists in the collection of delinquent accounts
Completes lending functions in accordance with established Credit Union policies and legal requirements
Assumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals
Answers questions and resolves requests
Keeps borrowers informed of Credit Union loan policies and services
Meets with applicants whose loans are denied and explains reasons and alternatives
Maintains and projects the Credit Union's professional reputation
Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management
Coordinates functions with related departments and branches and provides support as needed
Assists Commercial department personnel and provides support as needed
Keeps management informed of area activities and of any significant problems
Attends and participates in meetings and committees as required. Serves as a member of the Commercial Loan Committee
Completes required reports and records
Assumes responsibility for related duties as required or assigned
Cross-sells Credit Union services
Stays informed regarding changes in lending standards and related legal requirements
Completes special projects as assigned
Ensures that work area is clean, secure, and well maintained
Works a regular and predictable schedule
Must be sufficiently fluent in English to process work and business transactions
Qualification
Required
Bachelors degree in business or a related field, or an equivalent combination of training and work experience
Knowledge of Credit Union lending and collections programs, policies, and procedures
Familiarity with property management and maintenance procedures
Understanding of financial analysis and determination of credit worthiness
Three to five years of lending experience
Excellent communication and public relations skills
Strong analytical abilities
Solid interviewing skills
Able to use financial calculator and related computer applications and business systems
Well organized with good attention to detail
Ability to deal with a variety of variables under only limited standardization
Able to interpret various instructions
Ability to compute discount, interest, profit, and loss; commission markup and selling price; ratio and proportion and percentage
Able to perform very simple algebra
Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias
Ability to prepare memos, reports, and essays using proper punctuation, spelling, and grammar
Ability to communicate distinctly with appropriate pauses and emphasis; correct pronunciation (or sign equivalent) and variation in word order; using present, perfect, and future tenses
Preferred
One to five years of commercial lending experience
Real estate and origination background preferred
Company
Utah Community Credit Union (UCCU)
Utah Community Credit Union (UCCU) is an organization rooted in the credit union philosophy of "people helping people" and built on traditional values of commitment to outstanding service, respect for others, and fiscal responsibility.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Bret VanAusdal
President/CEO
Ratna L.
SVP/CFO
Recent News
2025-05-06
2025-03-03
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