Commercial Lender / Relationship Manager jobs in United States
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7 17 Credit Union · 1 month ago

Commercial Lender / Relationship Manager

7 17 Credit Union is dedicated to building trusted relationships with our members and supporting the financial growth of the communities we serve. The Commercial Lender / Relationship Manager is responsible for developing, managing, and growing a portfolio of commercial loans and deposits while providing customized lending solutions to meet member needs.

BankingCreditFinancial ServicesLending

Responsibilities

Develop and expand commercial loan and deposit relationships through proactive outreach, primarily via outside sales calls
Interview applicants and assess financial information to determine creditworthiness and loan viability
Structure and present sound lending proposals in compliance with Credit Union policies, Board regulations, and NCUA guidelines
Manage assigned portfolio, ensuring excellent service and timely communication with business members
Collaborate with commercial brokers, underwriters, and internal partners to ensure smooth loan processing and compliance
Network with area business owners and professionals to establish referral sources and build brand awareness
Review loan closing documents for accuracy and compliance with approved terms and internal lending requirements
Stay current with lending regulations and industry trends; assist with audit and regulatory inquiries as needed
Order and review title commitments, settlement statements, and other closing documents
Work collaboratively with portfolio managers, administrators, and other departments to ensure a high level of member service
Assist with the collection of financial documents, borrower data, collateral monitoring, and insurance verification
Participate in managing delinquent loans as requested

Qualification

Commercial lendingCredit underwritingFinancial statement analysisLoan structuringCustomer serviceCash flow analysisProfessional demeanorLoan-to-value analysisCapitalization rates analysisRelationship buildingProblem-solvingDecision-makingOrganizational abilitiesTime managementAttention to detailCommunication skills

Required

High school diploma or equivalent required
Minimum of 3 years of experience in commercial lending or loan origination
Strong understanding of commercial credit underwriting, financial statement analysis, and loan structure
Excellent customer service and relationship-building skills
Strong problem-solving, decision-making, and organizational abilities
Effective time management and attention to detail
Professional demeanor, judgment, and communication skills
Proficiency in analyzing cash flow (DSCR, global analysis, income/expense ratios), loan-to-value (LTV), and capitalization rates (Cap Rates)
Must maintain confidentiality of member information and Credit Union business
Ability to travel throughout Ohio markets as required
Must be able to sit, stand, walk, and lift up to 20 lbs several times per day

Preferred

Bachelor's degree in Business Administration, Finance, or a related field preferred

Benefits

Competitive compensation and performance incentives
Comprehensive benefits package (medical, dental, vision, 401(k) with employer match)
Paid time off and holidays
Opportunities for career development and growth
Supportive, community-focused culture

Company

7 17 Credit Union

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7 17 Credit Union is a progressive financial institution offering credit union membership, provides banking services to 86,000 Members.

Funding

Current Stage
Growth Stage

Leadership Team

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John Demmler
President / CEO
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Shelly Pawcio, CPA
Chief Financial Officer
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Recent News

Business Journal Daily | The Youngstown Publishing Company
Business Journal Daily | The Youngstown Publishing Company
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