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Dupaco Community Credit Union · 5 days ago

AVP, Business Lending

Madison, Wisconsin, United States

Full-time

Onsite

Mid Level

4+ years exp

Dupaco Community Credit Union is focused on cultivating powerful relationships with business members to support their financial success. The AVP, Business Lending is responsible for expanding business lending opportunities through proactive outreach and strategic partnerships, driving business development, and ensuring long-lasting member loyalty.

Employee BenefitsFinanceFinancial Services

Growth Opportunities

Responsibilities

Works with other areas as needed for member issues and needs, including Business Services, Business Lending Processing, DFS/DIS, and others to ensure any requests, needs, or challenges are acted upon appropriately

Successfully demonstrates effective selling skills and behaviors including loan fee generation, loan portfolio growth and production, business deposit generation, as well as referrals into Business Services and other areas of the Credit Union

Proactively establish and maintain connections within the communities we serve to continue building the commercial book of business within the credit union (via community events, networking, social media, email, etc.)

Establish and negotiate, business loans and inform member of the terms under which credit will be extended, including the costs, repayment schedule and collateral requirements

Make calls to proactively deepen existing and build new business relationships

Periodically collect and analyze information which reflects the current credit worthiness of applicant. Information may be obtained by direct inspection of the applicant's business and/or collateral, review of financial statements, personal interview, etc

Monitor loan repayment activities and assist with collecting past due accounts, as needed

Meet portfolio management matrices including financial exceptions, borrowing bases, and annual reviews, and line of credit renewals

Should possess strong portfolio management skills as well as foundational credit skills

Support loan request through Business Loan Committee with a complete package, borrower background, credit recommendation, and appropriate structure. Exposures that do require committee approval will be worked jointly with a supervisor or more experience lender on the team

Demonstrate job knowledge to avoid challenges and deescalate as necessary

Complete borrower onboarding including assembling appropriate borrower background information, financial statements, and other documents to evaluate credit worthiness

Serve as a relationship manager and facilitate discussions with customers on all matters related to other credit union services including deposit services, insurance needs, and financial planning support. Manages transaction processes from initial engagement through final close, including structure, pricing, internal approval / compliance processes and documentation

Aggressively grows and maintains a profitable book of business by successfully closing deals to meet or exceed individual and department revenue, contribution, fee income, loans and deposit goals

Qualification

Business Lending ExperiencePortfolio Management SkillsFinancial Statement AnalysisLending RegulationsData Interpretation SkillsListening SkillsVerbalWritten CommunicationPresentation SkillsProblem Solving Ability