Raiz Federal Credit Union · 2 months ago
Commercial Relationship Lender
El Paso, TX, USA
Full-time
Onsite
Senior Level
5+ years expRaiz Federal Credit Union is a credit union based in El Paso, Texas, dedicated to helping its community grow. The Commercial Relationship Lender is responsible for generating commercial loans and deposits by building strong relationships with business owners and other stakeholders, while managing a loan portfolio and ensuring compliance with lending regulations.
Credit CardsFinanceFinancial Services
Responsibilities
Generating commercial loans and deposits by developing strong lending relationships with business owners, CPA’s, builders, developers, realtors and loan brokers
Advising members on different customized loan options, assessing financial information, and structuring loans within loan policy
Performing due diligence on the lending process from application to closing documentation
Obtaining and performing review of borrowers and/or guarantors’ financial data, to include but not limited to: tax returns (personal and corporate), income statements, financial statements, and business plans
Keeping abreast of amendments to loan policies, lending procedures, and regulations, as well as mitigating any loan policy exceptions or deficiencies, and submitting a complete loan file for underwriting review
Managing loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring
Market CU member business and commercial loan products to the local community, individuals and both large and small business owners
Generating new business through prospecting, outside calling, networking and referrals
Completing initial loan application package, ensuring file is complete, accurate, and properly notated
Organizing loan paperwork and submitting file for underwriting review
Effectively negotiating loan terms and conditions
Providing information to members, both in person, over the phone, or email regarding questions and loan requests
Ensuring all loans are originated, disclosed and/or re-directed accurately and timely within all established regulatory compliance requirements and timeframes
Effectively communicating to staff the status of borrower files on a regular basis and engaging other team members as appropriate
Providing notice to the Business Lending Manager as to any loan file deficiencies, exceptions, or policy issues/concerns
Creating and maintaining reports to keep staff and management up to date at periodic loan review meetings and as needed for management reporting
Attending and participating in meetings as required
Participating in community and professional organizations and events
Complying with all Bank Secrecy Act (BSA) rules and regulations
Qualification
Required
Bachelor's degree in business administration or related area
Minimum of 5 years lending experience
Understanding of the foundation of determining credit worthiness
Knowledge of credit union loan policies, products, procedures, processing, and underwriting guidelines
Ability to analyze financial data and to complete risk rate models
Strong decision-making and problems solving skills. Ability to evaluate alternative solutions and make sound and effective decisions
Able to operate basic office equipment. Computer proficiency in Outlook, Word, Excel, and Power Point
Strong interpersonal skills and able to work well with others
Must have extensive knowledge with lending regulations, compliance, loan application process, dept service coverage, analyzing tax returns, UCA Cash Flow, financial ratios and spreading, credit presentations, annual reviews, CRE appraisals, non-real estate LTVs, and loan documentation
Company
Raiz Federal Credit Union
Raiz Federal Credit Union is a financial institution that offers financial services including loans, savings, checking, and credit cards.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$4.96MKey Investors
Community Development Financial Institutions Fund
2023-04-10Grant· $4.96M
Leadership Team
Max Villaronga
Chief Executive Officer
Recent News
2025-10-23
El Paso Matters
2023-12-24
El Paso Herald Post
2023-12-24
Company data provided by crunchbase