Cypress HCM
Job Description
Commercial Lending Officer
Location : Blue Ash, OH (On-Site)
Pay: $110,000-140,000 (compensation can vary depending on experience) + Benefits, Community Involvement, PTO, 401k match (10% dollar for dollar), Roth contribution
General Overview The Commercial Lending Officer is responsible for developing new commercial business and expanding existing commercial customer relationships. The role involves originating and servicing a variety of commercial and commercial real estate loans, maintaining compliance with lending policies and regulatory requirements, and managing a high-quality loan portfolio to minimize losses.
Responsibilities
Contact viable leads and existing clients to identify and pursue new lending opportunities
Understand and effectively articulate the credit union’s products, services, and value propositions
Network and build strong centers of influence (COIs) to generate opportunities aligned with growth strategy
Build, maintain and manage relationships within an assigned book of business; aim for deposit growth objectives while ensuring excellent member service
Maintain professional, prompt communications throughout the loan process with COIs, applicants, vendors, colleagues
Manage the portfolio: renewals, modifications, etc.
Evaluate, analyze, and interpret financial data to assess creditworthiness and risks
Counsel members during the loan process, negotiate terms, and structure loans appropriately
Stay current on market trends to propose competitive financing solutions
Ensure all loans comply with internal lending policies and external regulatory requirements represent the credit union in community and external activities to promote services and enhance public image
Collaborate internally to ensure efficient loan processing
Perform other supporting duties as needed
Requirements
Minimum of 3 years’ experience in commercial lending and portfolio management
Ability to read and understand tax returns, financial statements, credit reports, and business documents
Working knowledge of commercial transaction types: real estate, equipment financing, ownership changes, etc.
Understanding of applicable regulatory requirements for commercial lending
Ability to work independently, self-starter mentality, and results driven
Strong communication and relationship-building skills
High school diploma or GED required; bachelor’s degree preferred
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Commercial Lending Officer
Location : Blue Ash, OH (On-Site)
Pay: $110,000-140,000 (compensation can vary depending on experience) + Benefits, Community Involvement, PTO, 401k match (10% dollar for dollar), Roth contribution
General Overview The Commercial Lending Officer is responsible for developing new commercial business and expanding existing commercial customer relationships. The role involves originating and servicing a variety of commercial and commercial real estate loans, maintaining compliance with lending policies and regulatory requirements, and managing a high-quality loan portfolio to minimize losses.
Responsibilities
Contact viable leads and existing clients to identify and pursue new lending opportunities
Understand and effectively articulate the credit union’s products, services, and value propositions
Network and build strong centers of influence (COIs) to generate opportunities aligned with growth strategy
Build, maintain and manage relationships within an assigned book of business; aim for deposit growth objectives while ensuring excellent member service
Maintain professional, prompt communications throughout the loan process with COIs, applicants, vendors, colleagues
Manage the portfolio: renewals, modifications, etc.
Evaluate, analyze, and interpret financial data to assess creditworthiness and risks
Counsel members during the loan process, negotiate terms, and structure loans appropriately
Stay current on market trends to propose competitive financing solutions
Ensure all loans comply with internal lending policies and external regulatory requirements represent the credit union in community and external activities to promote services and enhance public image
Collaborate internally to ensure efficient loan processing
Perform other supporting duties as needed
Requirements
Minimum of 3 years’ experience in commercial lending and portfolio management
Ability to read and understand tax returns, financial statements, credit reports, and business documents
Working knowledge of commercial transaction types: real estate, equipment financing, ownership changes, etc.
Understanding of applicable regulatory requirements for commercial lending
Ability to work independently, self-starter mentality, and results driven
Strong communication and relationship-building skills
High school diploma or GED required; bachelor’s degree preferred
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