Palmetto Citizens Federal Credit Union · 19 hours ago
Commercial Relationship Lender
Columbia, SC
Full-time
Onsite
Senior Level
5+ years expPalmetto Citizens Federal Credit Union is seeking a Commercial Relationship Lender responsible for promoting and servicing small business products and services. The role involves developing business relationships, underwriting loans, and managing a portfolio while ensuring outstanding customer service and compliance with credit union policies.
AccountingBankingFinancial ServicesNon Profit
Responsibilities
Possesses comprehensive knowledge of member business loan products and the underwriting procedures for business lending
Responsible for creating sales proposals to clearly communicate the benefits of the credit union and ultimately get the business to become a member
Responsible for meeting with members and gaining a complete understanding of their loan requests, determining that the requests are within credit union policy, and obtaining complete business loan applications
Provides strategic leadership to cultivate and maintain successful business member relationships, driving the growth of loans, products, and services to maximize credit union sales and revenue
Supports all Branches in business lending development and provides training to Branch associates on product features and benefits to enhance their knowledge and effectiveness
Responsible for monitoring the local market to stay aware of competitor offerings and develops a clear understanding of the credit union’s competitive strengths within the market
Acts as a liaison with CU Business Group and Innovative Business Solutions during the underwriting process to assure a timely and seamless process for the member
Responsible for reviewing the loan documentation for completeness, and setup and supervise the loan closing with the member and arrange with the loan department for appropriate loan disbursements
Ensures the timely acquisition of appropriate hazard and title insurance policies, and actively monitors the tickler system for updates on hazard insurance, rate changes, UCC filings, annual reviews, and loan maturities
Oversee the Commercial Loan Assistant to ensure the completion of commercial loan documentation
Responsible for contacting member businesses to collect annual financial statements and tax returns, complete an updated debt service coverage ratio and loan-to-value calculation in conjunction with completing annual loan reviews
Responsible for monitoring delinquency of the business loan portfolio and contacting the borrowers as necessary
Responsible for quarterly Allowance for Loans and Lease Losses updates with pertinent information for business loans rated either “Watch” or “Substandard”
Responsible for monthly reporting and risk monitoring including Risk Ratings, industry codes, loan volume, Change Dates, collateral tracking and insurance tracking
Responsible for accurate completion of monthly Board report and incentive report
Ensures the highest level of member satisfaction by promptly addressing and resolving service issues, complaints, and concerns
Perform other duties as assigned, ensuring accountability and alignment with organizational objectives
Qualification
Required
Bachelor's degree in marketing, business management, communications, or equivalent. We value practical experience and will consider relevant years of experience as a substitute for formal educational qualifications
5+ years of business development or account management experience, ideally within banking or retail settings
Strong communication skills, both written and verbal, with the ability to build collaborative relationships, deliver effective public presentations, and strategically plan and achieve sales goals
Strong knowledge of commercial lending terms and practices
Proficient computer skills, including advanced knowledge of the Microsoft Office Suite and CRM software
Demonstrates sound judgment in all situations and cultivates positive, effective relationships with individuals at all levels
Self-directed, motivated, organized, and detail oriented
Complete adherence to all corporate standards
Company
Palmetto Citizens Federal Credit Union
Palmetto Citizens Federal Credit Union renders lending, savings, loans, credit cards, refinancing and banking services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Robert Dozier
President & Chief Executive Officer
Michael Beam
Executive Vice President - COO/CFO
Recent News
2025-11-10
2025-11-07
Morningstar.com
2025-11-04
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