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Business (Commercial) Services Officer

Company: A+ Federal Credit Union
Location: Austin
Posted on: January 13, 2018

Job Description:



Job Title


Business (Commercial) Services Officer




Category


Lending




Location


Austin, TX 78752 US (Primary)




Education


Bachelor's degree or equivalent work experience




Career Level


Experienced (Non-Manager)




Shift Type


Regular Business Hours (some Saturdays)




Job Type


Full-time




Exemption Type


Exempt




Wage Amount


.....




Job Description


As a Business Services Officer, your role will be to actively identify, solicit, develop, and service comprehensive banking relationships with members and potential members. If you enjoy creating your own opportunities, are ready to work hard while reaping the rewards of that hard work, then this may be the right team for you. We are looking for a top-notch performer to join our growing Commercial Lending department!

Growing & Maximizing Member Relationships




  • Focus on potential business members with the main objective to attract, retain and maximize new business relationships

  • Independently responsible for business development on new and existing business loan requests

  • Responsible for retaining, growing and maximizing the cross-sell efforts to business members.

  • Interview present and potential members when applying for Member Business Loans or opening deposit accounts.

  • Interview members requesting refinancing or rewriting of current Member Business Loans.

  • Responsible for a minimum of an annual site visit of each business member business and collateral (i.e. business inventories, floor plans, and other collateral / collateral value) with documentation via memos and pictures of site visits as required.


    Analysis on Business Accounts




    • Authority to interpret financial information provided by Member Business Loan borrowers

    • Ensure sound analysis and lending practices are followed in evaluation of Member Business Loan borrowers--- needs.

    • Provide sound analysis in the evaluation of Member Business Deposit relationship and ensure that member needs are met.

    • Prepare for and present information at Member Business Lending Committee meetings.

    • Recommend approval / denial / counter-offer on Member Business Loan requests to A+FCU loan officers, loan committees and/or Senior Management.

    • Request the required documentation for analysis of Member Business Loans and Deposit accounts from member businesses and coordinate the review of that documentation with A+FCU credit analysts, business loan administration staff, Small Business Administration (SBA) and affiliates as well as the Credit Union Service Organization (CUSO) staff.

    • Responsible for collection activity on Member Business Loans.


      Community Involvement & Miscellaneous




      • Establish, manage and sustain constructive and productive relationships with civic, charitable, community, and local/state political organizations to facilitate an appropriate level of support and contribution by the Credit Union to the community in which it serves.

      • Act as Credit Union representative at exhibits, orientations, association meetings, community events and trade shows, working closely with Credit Union staff and preferred business partners, as necessary, to effectively promote the Credit Union

      • Provide leadership, mentoring, and training with other members of Business Services staff.

      • Perform other duties as assigned.


        *For information about our benefits, please click the following link: https://aplusfcu.org/about-us/career-opportunities/benefits




        Job Requirements




        • Bachelor's degree in business related field preferred
        • Five years of financial institution experience
        • Two years of commercial lending experience
        • Knowledge of laws and regulations governing Business, Consumer, and Mortgage Lending practices
        • Knowledge and experience in financial statement analysis and ability to make sound lending recommendations based on available information required
        • Ability to systematically gather, retrieve and interpret data from several reporting sources
        • Willingness to assume responsibility and exhibit excellent problem solving abilities
        • Ability to prioritize, organize time, and work independently
        • Excellent oral and written communication skills
        • Knowledge of state and federal laws pertaining to Credit Unions, Commercial Loans, and Member Business Loans required
        • Ability to maintain composure, poise, and patience in dealing with members, non-members, and staff
        • Project a professional image and neat appearance
        • A significant level of trust and diplomacy is required, in addition to normal courtesy and tact
        • Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature


          Physical Functions




          • Must have the ability/stamina to work at least 40 hours a week.

          • Will frequently reach, feel, bend, stoop, carry, finely manipulate and key in data

          • Must be able to communicate heavily through telephone, e-mail and in-person communications

          • Must be able to engage in problem-solving skills to help identify and solve potential issues in the field




            Keywords: A+ Federal Credit Union, Austin, Business (Commercial) Services Officer, Other, Austin, Texas

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