Sr Commercial Loan Officer

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

11256

Grade:

26S

Status:

Exempt

POSITION AND PURPOSE

The Senior Commercial Loan Officer is responsible for executing the Credit Union's strategic priorities and objectives related to commercial real estate loan products. Responsible for developing and building relationships with commercial loan brokers, economic development programs, and California businesses, providing a variety of commercial real estate loan and deposit products and services based on the members' needs. Collaborates with other business units and serves as a commercial real estate lending expert for the credit union. The Senior Commercial Loan Officer monitors and controls loan data by ensuring data is accurately booked against documentation.

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You thrive on building relationships and helping businesses find financing solutions that support growth and success. Business development, portfolio management, and commercial lending expertise allow you to connect client needs with practical financial strategies. Your ability to balance risk management, relationship building, and production goals helps create long-term value for both members and the organization.

THE WORK

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Manage, grow and execute business development activities and maintain pipeline statistics surrounding these activities.

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Individually generate annual commercial real estate loan production as agreed by management.

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Develop, implement, and maintain effective production strategies that enhance Golden 1 Business Services market position to help the credit union achieve budgeted business services production goals.

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Mentor and lead business loan officers and support team in the loan processes and member service best practices.

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Ensure effective delivery of exceptional member service, loan quality, and loan retention by building relationships with California businesses that exceed the alternatives in the marketplace.

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Develop and execute strategies to attract new clients, including cold calling, attending industry events, and leveraging existing relationships.

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Collaboratively support business lending operations to ensure the organization identifies and minimizes all types and levels of risk, through adherence to applicable policies, guidelines, and procedures.

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Support credit/underwriting and portfolio needs thru requesting additional information to assist in closing loans or maintaining loan portfolio. Helpfully interacts with loan production staff and portfolio management personnel.

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Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including BSA, AML, TILA, HMDA, GLBA, Fair Lending, and others that are appropriate to the position.

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Identify, investigate, and resolve member/branch/online concerns related to business services production.

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Implement risk mitigation strategies, such as regular portfolio reviews and maintaining updated credit files

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Performs other duties as assigned.

QUALIFICATIONS

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Bachelor’s Degree in Finance, Business Administration or related field required

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Master’s Degree or MBA preferred

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8+ years commercial banking and commercial loan origination experience required

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Maintain knowledge of commercial real estate lending requirements, all commercial real estate loan products, commercial real estate loan fulfillment, credit union policies and all applicable federal and state laws and regulations.

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Exceptional member service and member relations skills.

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Proficiency with Microsoft Office applications and business/commercial loan origination systems.

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Knowledge of generally accepted accounting principles.

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Demonstrated ability to work independently and interact collaboratively and cultivate partnerships across the organization.

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A valid California driver's license and a clear driving record required

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

Business Services operations staff, branch and call center staff, and management.

EXTERNAL:

Realtors/brokers/vendors/organizations/other business partners.

WORKING CONDITIONS

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.

PHYSICAL REQUIREMENTS

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.