Horizon Credit Union
Overview
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This range is provided by Horizon Credit Union. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range $91,050.00/yr - $141,127.00/yr
Direct message the job poster from Horizon Credit Union
Talent Acquisition Specialist @ Horizon Credit Union | Talent Management About the Company
Horizon Credit Union is committed to providing quality financial services while maintaining a strong focus on community and member satisfaction. Our mission is to empower our members through innovative financial solutions and exceptional service.
About the Role
This position oversees all commercial loan origination, sales, and servicing functions to ensure ongoing efficient and quality origination, servicing, compliance with all regulatory guidelines, and adherence to organizational policies and procedures. Oversee treasury management services and cash management development delivery functions appropriate for Horizon Credit Union’s target market segment. Maintain working knowledge of the loan portfolio, the loan servicing system, cash flow analysis, procedures, and transactions. This position will also manage relationships with our commercial services vendors and make recommendations to the Vice President of Lending regarding commercial services product and service enhancements and oversee annual due diligence.
Responsibilities
Manage and oversee commercial services deliverables and processes to ensure activities are completed in a timely manner and in accordance with internal policies and procedures as well as state and federal guidelines.
Oversee all commercial services functions, meeting the needs of external and internal members.
Underwrite commercial real estate and C&I loans in support of Horizon Credit Union’s commercial risk tolerance.
Participate in commercial credit committee meetings and make loan decision recommendations.
Perform treasury management services risk assessments for member requests to ensure credit union risk tolerances are met.
Oversight of quality control of newly boarded loans, including verification of non-financial and post-close ticklers.
Oversight of interest rate and payment change processing and notifications.
Oversight of the development and implementation of ongoing Commercial Services processes and procedures.
Identify opportunities for process improvements/efficiencies and update as necessary to support Horizon Credit Union’s strategic plan, regulatory changes, or new products and service implementations.
Serve as a key manager of commercial services vendor relationships. Manage contracts, negotiations, problem solving, and user access.
Work closely with collections and commercial teams as needed to support workout, modification, and foreclosure processes as needed.
In conjunction with compliance, oversee HMDA reporting for commercial loans as required by regulations.
Oversee the Credit Union’s commercial loan origination, processing, underwriting, and servicing functions.
Oversee the delivery of Credit Union’s treasury management services, and cash management products and programs.
Oversee credit administration requirements for the commercial lending portfolio to include timely annual reviews, proper file documentation, and quality.
Assume responsibility for the implementation of, and adherence to effective commercial services policies, procedures, and planning.
Ensure that commercial services functions are completed in accordance with established Credit Union policies and procedures, as well as related legal requirements.
Execute established operational goals and ensure corporate-wide plans are complemented and supported.
Provide input to Senior Leadership regarding departmental origination budgets as well as balance sheet and profit and loss benchmarks.
Assist the Retail Leadership team with developing strategies to solicit and originate quality commercial loans and ancillary commercial services products such as treasury and cash management services.
Provide suggestions and recommendations for improved service delivery and business portfolio management.
Ensure that optimal efficiency is maintained in commercial lending functions by monitoring and evaluating work quality, efficiency, and productivity.
Ensure the integrity and accuracy of all commercial loan documents.
Serve on Horizon Credit Union’s Credit Committee.
May possess loan authority up to prescribed limits, subject to all applicable Rules and Regulations.
Coordinate and direct the development of new products and/or product enhancements.
Establish and negotiate where necessary the terms under which credit will be extended, including the pricing, costs, repayment methods and schedule, and collateral requirements.
Adhere to all lending and operational policies and procedures which are consistent with overall Credit Union policies and operating objectives.
Review policies and procedures on an ongoing basis, new laws and regulations which could affect the enforceability of loan security agreements for commercial and business loans.
Supervise the processing of all loans originated and managed by the unit.
Qualifications
Bachelor’s degree (B.A. or B.S.) in Business, Management, Finance, Accounting, or a related field, or equivalent professional experience.
Minimum of five years of recent experience in commercial lending origination, underwriting, and operations, with a demonstrated ability to lead teams, including supervision and credit administration.
Relevant work experience may be considered in lieu of formal education.
Required Skills
Excellent analytical and problem-solving skills including the ability to research and prepare budgetary proposals and perform cost/benefit analysis for products, services, or complex projects.
Strong communication, management, leadership, coaching, and mentoring skills to effectively develop, challenge, and motivate staff.
Demonstrated knowledge of Commercial Lending for various product channels.
Knowledgeable of SBA lending.
Demonstrated knowledge in compliance and federal regulation issues for overall commercial lending functions.
Demonstrated expertise in the use of Commercial Loan Origination Systems.
Strong analytical skills including the ability to analyze financial metrics.
Ability to respond appropriately and competently to the demands of work challenges when confronted with changes, ambiguity, adversity, and other pressures.
Assume responsibility for effectively meeting objectives, motivate self to get the job done, perform job duties in an organized, accurate, and productive fashion, seek out and be open to knowledge, ideas, and feedback to improve effectiveness, and hold self accountable.
Demonstrated ability to be an influential change leader.
Demonstrated ability to manage and lead teams through remote technology and other tools.
Ability to motivate personnel to balance staffing strength with profitability and growth.
Working knowledge of related regulations, guidelines, and documentation requirements.
Knowledgeable in loan origination systems, reporting, and data analytics.
Able to plan, organize, and manage departmental budget.
Demonstrated ability to operate a computer with Windows-based programs (Windows, Word, Excel, PowerPoint, Visio, Outlook, etc.).
Proven commitment to member and stakeholder satisfaction.
Preferred Skills
Experience in commercial lending and financial services.
Advanced degree in a related field.
Pay range The full pay range for this position across all the states in which we hire is $91,050-$141,127/annually
The figures shown represent the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate’s experience, education, and skill level.
Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Management and Manufacturing
Industries
Banking
Referrals increase your chances of interviewing at Horizon Credit Union by 2x
Inferred from the description for this job
Medical insurance
Vision insurance
401(k)
Get notified when a new job is posted.
Sign in to set job alerts for “Commercial Services Manager” roles.
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This range is provided by Horizon Credit Union. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range $91,050.00/yr - $141,127.00/yr
Direct message the job poster from Horizon Credit Union
Talent Acquisition Specialist @ Horizon Credit Union | Talent Management About the Company
Horizon Credit Union is committed to providing quality financial services while maintaining a strong focus on community and member satisfaction. Our mission is to empower our members through innovative financial solutions and exceptional service.
About the Role
This position oversees all commercial loan origination, sales, and servicing functions to ensure ongoing efficient and quality origination, servicing, compliance with all regulatory guidelines, and adherence to organizational policies and procedures. Oversee treasury management services and cash management development delivery functions appropriate for Horizon Credit Union’s target market segment. Maintain working knowledge of the loan portfolio, the loan servicing system, cash flow analysis, procedures, and transactions. This position will also manage relationships with our commercial services vendors and make recommendations to the Vice President of Lending regarding commercial services product and service enhancements and oversee annual due diligence.
Responsibilities
Manage and oversee commercial services deliverables and processes to ensure activities are completed in a timely manner and in accordance with internal policies and procedures as well as state and federal guidelines.
Oversee all commercial services functions, meeting the needs of external and internal members.
Underwrite commercial real estate and C&I loans in support of Horizon Credit Union’s commercial risk tolerance.
Participate in commercial credit committee meetings and make loan decision recommendations.
Perform treasury management services risk assessments for member requests to ensure credit union risk tolerances are met.
Oversight of quality control of newly boarded loans, including verification of non-financial and post-close ticklers.
Oversight of interest rate and payment change processing and notifications.
Oversight of the development and implementation of ongoing Commercial Services processes and procedures.
Identify opportunities for process improvements/efficiencies and update as necessary to support Horizon Credit Union’s strategic plan, regulatory changes, or new products and service implementations.
Serve as a key manager of commercial services vendor relationships. Manage contracts, negotiations, problem solving, and user access.
Work closely with collections and commercial teams as needed to support workout, modification, and foreclosure processes as needed.
In conjunction with compliance, oversee HMDA reporting for commercial loans as required by regulations.
Oversee the Credit Union’s commercial loan origination, processing, underwriting, and servicing functions.
Oversee the delivery of Credit Union’s treasury management services, and cash management products and programs.
Oversee credit administration requirements for the commercial lending portfolio to include timely annual reviews, proper file documentation, and quality.
Assume responsibility for the implementation of, and adherence to effective commercial services policies, procedures, and planning.
Ensure that commercial services functions are completed in accordance with established Credit Union policies and procedures, as well as related legal requirements.
Execute established operational goals and ensure corporate-wide plans are complemented and supported.
Provide input to Senior Leadership regarding departmental origination budgets as well as balance sheet and profit and loss benchmarks.
Assist the Retail Leadership team with developing strategies to solicit and originate quality commercial loans and ancillary commercial services products such as treasury and cash management services.
Provide suggestions and recommendations for improved service delivery and business portfolio management.
Ensure that optimal efficiency is maintained in commercial lending functions by monitoring and evaluating work quality, efficiency, and productivity.
Ensure the integrity and accuracy of all commercial loan documents.
Serve on Horizon Credit Union’s Credit Committee.
May possess loan authority up to prescribed limits, subject to all applicable Rules and Regulations.
Coordinate and direct the development of new products and/or product enhancements.
Establish and negotiate where necessary the terms under which credit will be extended, including the pricing, costs, repayment methods and schedule, and collateral requirements.
Adhere to all lending and operational policies and procedures which are consistent with overall Credit Union policies and operating objectives.
Review policies and procedures on an ongoing basis, new laws and regulations which could affect the enforceability of loan security agreements for commercial and business loans.
Supervise the processing of all loans originated and managed by the unit.
Qualifications
Bachelor’s degree (B.A. or B.S.) in Business, Management, Finance, Accounting, or a related field, or equivalent professional experience.
Minimum of five years of recent experience in commercial lending origination, underwriting, and operations, with a demonstrated ability to lead teams, including supervision and credit administration.
Relevant work experience may be considered in lieu of formal education.
Required Skills
Excellent analytical and problem-solving skills including the ability to research and prepare budgetary proposals and perform cost/benefit analysis for products, services, or complex projects.
Strong communication, management, leadership, coaching, and mentoring skills to effectively develop, challenge, and motivate staff.
Demonstrated knowledge of Commercial Lending for various product channels.
Knowledgeable of SBA lending.
Demonstrated knowledge in compliance and federal regulation issues for overall commercial lending functions.
Demonstrated expertise in the use of Commercial Loan Origination Systems.
Strong analytical skills including the ability to analyze financial metrics.
Ability to respond appropriately and competently to the demands of work challenges when confronted with changes, ambiguity, adversity, and other pressures.
Assume responsibility for effectively meeting objectives, motivate self to get the job done, perform job duties in an organized, accurate, and productive fashion, seek out and be open to knowledge, ideas, and feedback to improve effectiveness, and hold self accountable.
Demonstrated ability to be an influential change leader.
Demonstrated ability to manage and lead teams through remote technology and other tools.
Ability to motivate personnel to balance staffing strength with profitability and growth.
Working knowledge of related regulations, guidelines, and documentation requirements.
Knowledgeable in loan origination systems, reporting, and data analytics.
Able to plan, organize, and manage departmental budget.
Demonstrated ability to operate a computer with Windows-based programs (Windows, Word, Excel, PowerPoint, Visio, Outlook, etc.).
Proven commitment to member and stakeholder satisfaction.
Preferred Skills
Experience in commercial lending and financial services.
Advanced degree in a related field.
Pay range The full pay range for this position across all the states in which we hire is $91,050-$141,127/annually
The figures shown represent the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate’s experience, education, and skill level.
Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Management and Manufacturing
Industries
Banking
Referrals increase your chances of interviewing at Horizon Credit Union by 2x
Inferred from the description for this job
Medical insurance
Vision insurance
401(k)
Get notified when a new job is posted.
Sign in to set job alerts for “Commercial Services Manager” roles.
#J-18808-Ljbffr