CoastHills Credit Union · 1 month ago
Senior Commercial Banking Officer
Santa Maria, CA, US
Full-time
Onsite
Mid, Senior Level
$130K/yr - $160K/yr
3+ years expCoastHills Credit Union is a financial institution seeking a Senior Commercial Banking Officer. This role is responsible for originating, managing, and supervising a large portfolio of commercial loans while maintaining and increasing asset quality and developing new business opportunities.
BankingFinancial ServicesMobile Payments
Responsibilities
Solicits, develops, and services new business through defined sales calling efforts to achieve individually established goals
Expands existing relationships by consistently communicating with business members for opportunities to meet additional needs with other products or services
Develops and implements marketing plans for maintaining and expanding referral relationships with real estate agents, loan brokers, community development companies, attorneys, accountants, financial planners, and other key referral sources
Maintains knowledge of all commercial loan and depository products and services
Maintains a clear understanding of operational flow processes to communicate and set realistic expectations with prospects and existing business customers
Recommends the appropriate financial solution based on borrower’s needs and financial position
Maintains knowledge of the industries or market areas served
Maintains and builds a robust pipeline to ensure production goals are met on an ongoing basis
Ensures that monthly reports are generated in a timely manner
Ensures pipeline and lending results are reviewed regularly for accuracy and to goals and objectives
Fosters positive inter-departmental relationships to ensure outstanding service to internal and external members
Meets all established financial and non-financial goals
Partners with Branch Managers to identify business loan opportunities with existing and potential members
Actively participates in product presentations, various community organizations and events to promote the image of the Credit Union. Such activity is reported to Chief Credit Officer monthly
Interviews loan applicants, gathers required documentation, conducts loan closings and guides members through the loan origination process from beginning to end
Recommends loan proposals and structure for approval and works closely with the lending staff to complete the underwriting, approval, documentation and closing process
Consolidates applicant information into a working file for underwriting and analysis purposes
Analyzes financial statements and tax returns to substantiate borrower’s financial ability to qualify pursuant to current loan underwriting criteria and standards
Fully discloses all lending terms (pricing, costs, and structure pursuant to current pricing matrix) to the borrower
Manages member expectations throughout the application process to ensure positive member experience
Manages loans within the loan portfolio including following up with collections or delinquencies, collecting updated financials annually, and performing regular site inspections
Ensures compliance with all applicable laws and regulations as well as internal policies and procedures
Develops and implements action plans to promote, support and grow our lending activity to achieve goals
Keeps abreast of legislation and regulations as it pertains to lending
Qualification
Required
Bachelor's degree in Business, Finance or related field, or an equivalent combination of experience and training
Three years commercial lending experience
Prior experience managing relationships in market area
Knowledge and understanding of Credit Union activities, policies, procedures, and systems
Commercial lending best practices
In-depth knowledge of current and approved methodologies of risk measurement
USDA and SBA Loan Programs and Standard Operating Procedures
Credit Union member business services
Federal and state laws governing credit unions
Credit Union products, services, programs, and promotions
Computer system/software (MS Office, other software needed to effectively perform job)
Operates a variety of office equipment and machines
Ability to travel, attend, and participate in meetings, seminars, and conferences held before and after normal business hours that may require unaccompanied long-distance travel and overnight lodging
Company
CoastHills Credit Union
CoastHills Credit Union is a mobile banking and financial services company.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$2.48MKey Investors
Community Development Financial Institutions Fund
2023-04-10Grant· $2.48M
Leadership Team
Paul Cook, MBA
President / CEO
Robert Goebel
SVP Chief Lending Officer
Recent News
Company data provided by crunchbase