Senior Commercial Loan Officer

We are excited to invite passionate individuals to join our team, where you will embark on a rewarding career journey filled with growth, support, and the opportunity to make a meaningful impact on our members and the community we serve. Our core values?authenticity, boldness, collaboration, dignity, and empathy?guide everything we do and foster an inclusive culture that prioritizes teamwork and innovation.

Applicants are encouraged to apply by January 29th, 2025

Location:
? Oregon
? This position will require travel to service areas in Oregon as needed.

Pay Range:
? The full hourly pay range is $104,167.00-$156,251.00 annually.
? We provide an additional $2.00 per hour bilingual differential for those employees who can support our members' financial needs effectively in a second language; subject to verification of strong grasp of financial terms utilizing language skillset.

Compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer of employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

Job Overview

This position is responsible for developing, growing and managing a portfolio of quality, member business loan relationships in support of the credit union's strategic goals within the assigned market areas.

What you'll do:
? Identifies and develops new member business loan opportunities through a variety of networking methodologies and community involvement within the credit union's footprint.
? Develops profitable and positive networks within the business community. Assumes the responsibility for establishing and maintaining effective and professional business relationships with existing/prospective members and Centers of Influence (COI's).
? Builds a quality member business loan portfolio, by negotiating terms and conditions within the credit union's prescribed framework and strictly adhere to all commercial lending policies and procedures while meeting federal and state regulations.
? Maintains knowledge of competitor rates, programs, terms, and conditions in order to strategically present the credit union's programs.
? Performs interviews and consultation with the prospective business loan member and assumes full responsibility for all aspects of the loan process, to include: collecting and reviewing the loan application and supporting financial documentation; collaboration with the Credit Analyst to provide a thorough analysis of the loan request; review of loan documentation; perform timely periodic annual term loan and risk reviews; monitor delinquencies and surface potential concerns with weakened credits.
? Responsible for meeting high level monthly loan production and/or profitability goals; as well as, sales activities and outbound calling goals.
? Maintains the strong credit quality of the credit union's member business lending portfolio through ongoing portfolio management.
? Support a strong relationship banking culture acting as a subject matter expert in terms of product knowledge and promotion/marketing of a broad range of TwinStar Credit Union products and services.
? Ensures that work areas are secure and well maintained in accordance to member privacy regulations and credit union requirements.
? Serves as a resource and develops positive relationships with credit union internal partners; as well as, branch personnel.
? Complies with established State and Federal regulations as they pertain to transactions/tasks performed and completes necessary documentation and/or disclosures as required by law.
? Acts as a mentor to commercial loan officers, assistant commercial loan officer, and other members of the department.
? All other duties as assigned.

Qualifications: ? Minimum of five (5) years experience in a high-volume, production-oriented, professional sales position.

What you'll bring:
? Possess a knowledge and understanding of commercial lending guidelines, regulatory procedures, processes, and laws as they pertain to the acceptance and approval of member business loans.
? Experience with investor commercial real estate, commercial & industrial lending, and business deposit products.
? Ability to execute demanding production (loan and deposit) goals.
? Experience with and/or working knowledge of financial services loan and documentation systems (e.g. LaserPro, LOS systems, spreading software, etc.).
? Strong commercial credit skills/knowledge.
? Knowledge of federal, state and local laws, statutes, regulations codes and standards related to the area of responsibility.
? Strong knowledge of commercial credit analysis including analysis of borrower financial statements, CRE investor real estate, C&I lending concepts (and construction lending knowledge preferred).
? Possess high level commercial credit skills.
? Strong networking and relationship management skills.
? Ability to generate a high volume of new loan originations and deposits, while managing a significantly sized loan portfolio.
? High level consultative selling skills, negotiation and presentation skills, with a history of successful outside sales experience.
? Establish and maintain effective working relationships with area Vice Presidents, Directors, Branch Managers, and employees.
? Ability to make recommendations on loan pricing, terms, risk grades, evaluate the liquidation value of collateral, specify sources of repayment, assess industry business and management risks, etc.
? Prepare written requests for approval of member business loans that cover all regulatory and credit union requirements.
? Ability to understand complex business loan requests, evaluate overall financial capacity of borrowers/guarantors, and identify strengths and weaknesses.
? Entrepreneurial spirit with the ability to work successfully in a collaborative manner with other staff members.

Total Rewards:

This position is eligible for Full-Time Regular benefits. Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Includes an option for Medical, Dental, and Vision insurance to be paid at a 100% by company for the employee only coverage. We also offer Health Care FSA (HCFSA), Health Savings Account (HSA) with employer contributions, and Dependent Care FSA (DCFSA). Employees also have access to Life and AD&D insurance. Employees are able to enroll in our 401k plan. Full-Time Regular employees accrue 8 hours of vacation and 8 hours of sick leave, on a monthly basis. Full-Time Regular hired employees also receive 11 paid holidays throughout the calendar year, 1 floating holiday, 16 hours of self-care time, and 16 hours of volunteer time (may be prorated based on hire date in the initial calendar year).

All benefits except 401k start the first of the month after 30 days of employment. Employees become eligible to contribute to 401k on the first of the month following 60 days of employment.

TwinStar Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters

If you'd like to view a copy of the company's affirmative action plan or policy statement, please email [email protected]. If you have a disability and you believe you need a reasonable accommodation in order to search for a job opening or to submit an online application, please e-mail [email protected]. This email is created exclusively to assist disabled job seekers whose disability prevents them from being able to apply online. Only messages left for this purpose will be returned. Messages left for other purposes, such as following up on an application or technical issues not related to a disability, will not receive a response.

Equal Opportunity Employer Veterans/Disabled

Equal Opportunity is the Law Posting

Pay Transparency Nondiscrimination Posting

When you apply to a job on this site, the personal data contained in your application will be collected by TwinStar Credit Union. Your personal data will be processed for the purposes of managing the Credit Union's recruitment related activities, which include setting up and conducting interviews and tests for applicants, evaluating and assessing the results thereto, and as is otherwise needed in the recruitment and hiring processes. Such processing is legally permissible under state and federal law. Your personal data will be shared with Greenhouse Software, Inc., a cloud services provider located in the United States of America and engaged by the Credit Union to help manage its recruitment and hiring process. Your personal data will be retained by the Credit Union as long as the Credit Union determines it is necessary to evaluate your application for employment and as required under applicable state and federal law. Greenhouse is under contractual obligation to keep such information confidential, and the Credit Union's privacy practices comply with all applicable state and federal laws.

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