Gesa Credit Union
Commercial Loan Officer III
Join to apply for the Commercial Loan Officer III role at Gesa Credit Union.
Description At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together. Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
Role Summary The Commercial Loan Officer III is responsible for originating a profitable portfolio of commercial loans, supports credit administrative functions, and underwrites commercial credits with the overall objective of maintaining and increasing asset quality, and to develop new and existing business relationships.
What You Will Be Doing
Meet assigned sales goals and objectives. Participate in business development activities that promote the increase of business loans and deposits for the Credit Union.
Call on member businesses to expand existing relationships creating member loyalty to the Credit Union.
Accurately process business loan applications in a timely manner.
Complete annual credit reviews of member business loans to assess the overall financial condition and member’s ability to re-pay the loan.
Make credit approval recommendations to the appropriate approval authority that promotes safe credit underwriting and prudent lending practices.
Provide guidance to the commercial loan processor in the completion of all loan documents and business loan closings.
Assist in collection of past due loans, maintain a 30-day delinquency rate of .50% of less and a charge-off rate of no more than .50% of your loan portfolio.
Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
Attend credit union training sessions, conferences and seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities.
Monitor existing loan portfolio to ensure credit quality and regulatory compliance.
Maintain up-to-date credit files including current financial information deemed necessary and in accordance with the business loan agreement.
Assist members with any business loan related questions and concerns.
Maintain an understanding of the Credit Union Policies and member business lending operating procedures and guidelines.
Demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.
Display mutual respect, trust, and dignity, acting in the best interest of the Credit Union. Lead by example by always displaying solid ethics and integrity.
About You
To provide knowledgeable, professional, friendly service to all members.
To maintain up-to-date and comprehensive knowledge of all credit union products, services, policies, and procedures.
Strong credit analysis skills with the ability to underwrite and create proficient credit approval documents.
Strong credit administration skills which provide additional support and feedback to the business lending team and commercial loan committee.
To participate in and support a team environment.
To effectively manage your time that promotes responsiveness to credit requests, and other duties that may be assigned.
To analyze the financial, management, and economic risks related to member business loan requests.
To possess and display excellent member service attributes.
To maintain a positive and professional image through effective verbal and written communication.
Qualifications What You Will Need
Equivalent to a four-year college degree or completion of a specialized course of study at a business, trade school, or equivalent experience.
A minimum of 15 years commercial lending experience analyzing business financial statements and assessing the financial position of a viable business entity.
Must possess excellent communication and public relations skills.
Proficiency with standard office equipment, MS Office and Outlook software, financial analysis software, and other commercial lending platforms.
Some travel may be required to fulfill duties, career development, and/or responsibilities.
A valid Driver’s License is required.
Our Team Member Value Proposition
Competitive Pay
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off – Plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product discounts
Engaging Work Environment
Rewards and Recognition Programs
Full Salary Range Boise, ID: $122,465.04 - $183,697.56 While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre‑employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Seniority level Mid‑Senior level
Employment type Full-time
Job function Finance and Sales
Referrals increase your chances of interviewing at Gesa Credit Union by 2x.
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Description At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together. Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
Role Summary The Commercial Loan Officer III is responsible for originating a profitable portfolio of commercial loans, supports credit administrative functions, and underwrites commercial credits with the overall objective of maintaining and increasing asset quality, and to develop new and existing business relationships.
What You Will Be Doing
Meet assigned sales goals and objectives. Participate in business development activities that promote the increase of business loans and deposits for the Credit Union.
Call on member businesses to expand existing relationships creating member loyalty to the Credit Union.
Accurately process business loan applications in a timely manner.
Complete annual credit reviews of member business loans to assess the overall financial condition and member’s ability to re-pay the loan.
Make credit approval recommendations to the appropriate approval authority that promotes safe credit underwriting and prudent lending practices.
Provide guidance to the commercial loan processor in the completion of all loan documents and business loan closings.
Assist in collection of past due loans, maintain a 30-day delinquency rate of .50% of less and a charge-off rate of no more than .50% of your loan portfolio.
Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
Attend credit union training sessions, conferences and seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities.
Monitor existing loan portfolio to ensure credit quality and regulatory compliance.
Maintain up-to-date credit files including current financial information deemed necessary and in accordance with the business loan agreement.
Assist members with any business loan related questions and concerns.
Maintain an understanding of the Credit Union Policies and member business lending operating procedures and guidelines.
Demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.
Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.
Display mutual respect, trust, and dignity, acting in the best interest of the Credit Union. Lead by example by always displaying solid ethics and integrity.
About You
To provide knowledgeable, professional, friendly service to all members.
To maintain up-to-date and comprehensive knowledge of all credit union products, services, policies, and procedures.
Strong credit analysis skills with the ability to underwrite and create proficient credit approval documents.
Strong credit administration skills which provide additional support and feedback to the business lending team and commercial loan committee.
To participate in and support a team environment.
To effectively manage your time that promotes responsiveness to credit requests, and other duties that may be assigned.
To analyze the financial, management, and economic risks related to member business loan requests.
To possess and display excellent member service attributes.
To maintain a positive and professional image through effective verbal and written communication.
Qualifications What You Will Need
Equivalent to a four-year college degree or completion of a specialized course of study at a business, trade school, or equivalent experience.
A minimum of 15 years commercial lending experience analyzing business financial statements and assessing the financial position of a viable business entity.
Must possess excellent communication and public relations skills.
Proficiency with standard office equipment, MS Office and Outlook software, financial analysis software, and other commercial lending platforms.
Some travel may be required to fulfill duties, career development, and/or responsibilities.
A valid Driver’s License is required.
Our Team Member Value Proposition
Competitive Pay
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off – Plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product discounts
Engaging Work Environment
Rewards and Recognition Programs
Full Salary Range Boise, ID: $122,465.04 - $183,697.56 While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.
Selected candidate(s) must be able to pass a pre‑employment credit/background check.
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.
Seniority level Mid‑Senior level
Employment type Full-time
Job function Finance and Sales
Referrals increase your chances of interviewing at Gesa Credit Union by 2x.
#J-18808-Ljbffr