Commercial Loan Officer III

Join Our Team At Gesa

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.