• Commercial Lending Specialist

    Job Locations US-WI-Elkhorn
    Job ID
    2018-2067
    Category
    Administrative
  • Roles

    What you should know about the role

    This position performs a variety of functions necessary to support the business loan origination process and ongoing servicing of the commercial lending portfolio. The individual will work with lenders, members, and other departments assuring consistent communications in a professional, timely manner. This position will work closely with other Business Lending team members to ensure that all of the business lending steps flow effectively and efficiently to maintain a focus on the member. 

     

    What you should know about Advia

    Advia is a fast growing Credit Union that is positioned in the top 3% of credit unions across the United States with nearly 2 billion in assets.  We offer very similar product and services as the big banks with a focus on saving our members money while providing financial advantages.  We are rooted in our communities and believe we have a responsibility to give back outside of our four branch walls through volunteering and charitable donations.  The work environment at Advia is fast-paced, performance based and fun infused.  We certainly live by the saying “work hard, play hard.”  As an employee of Advia, you can expect regular and constructive feedback, development opportunities, great benefits, excellent co-workers and engaged managers.

     

     

    As a Commercial Lending Specialist, you will have opportunities to:

    • Be part of a collaborative team.
    • Self-manage your day-to-day work-flow
    • Have a variety of responsibilities and projects to keep the job interesting.

    Major Duties

    • Researches and assists with a variety of projects as needed which may include preparing a variety of records or reports.
    • Maintain contact management and tracking software for business loan members .
    • Responsible for conducting business transactions per member request. Processes loan payments, resolve payment issues, process wire requests while working with other credit union departments to assist with these member requests.
    • Assists with annual reviews on all existing business loan accounts and is responsible for obtaining required ongoing information. Keeps records of reviews and electronic documentation of deficiencies. This includes working with third party vendors such as title, environmental, appraisal companies and borrowers to order services and resolve potential issues.
    • Responsible for establishing and maintaining effective communication, coordination, and working relations with Credit Union personal and management. This includes coordinating activities with branches or other departments, coordinating and scheduling loan closings and keeping management informed of area activities and any significant issues or problems.
    • Maintains, organizes and audits business files which includes tracking insurance and contacting member and/or insurance company to secure proper proof of insurance.
    • Responsible for understanding the consumer and business loan concepts, policies and procedures and assisting employees and/or members with inquiries regarding business loans. Works with the Business Lending Manager to continuously drive progress for business loans and add financial value for our members.
    • Builds, opens, monitors, maintains and services business accounts and business loans. This includes producing business loan documentation with accuracy and adherence to the requirements set by the business loan guidelines or the business loan approval committee. 
    • Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
    • Monitors disbursements on construction and development loans.
    • Manages the renewal letter process in order for members to receive required information in a timely manner.

     

    Physical Requirements

    Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 25 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

     

    Working Conditions

    Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.

     

    Mental and/or Emotional Requirements

    Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters. Possess good time management and organizational skills, and the flexibility and determination to handle deadlines and a wide variety of duties each day.

     

    Acknowledgement

    Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time. Advia Credit Union is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    Skills & Experience

    Experience

    A minimum of one year up to three years of similar or related experience, including preparatory experience.

     

    Education

    A two-year college degree or completion of a specialized course of study at a business or trade school equivalent to approximately 64 credit hours.

     

    Interpersonal Skills

    A significant level of trust, credibility and diplomacy is required. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

     

     

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