Member Business Loan Officer I

Job Description

Job Description

Benefits:

• 401(k) matching
• Dental insurance
• Health insurance
• Vision insurance

Member Business Loan Officer I SUMMARY/OBJECTIVE:
Under the direction and supervision of the Vice President of Commercial Lending, job duties will encompass a broad-spectrum including loan origination, and processing, opening business accounts and travelling to Sunbelt branch and customer locations as needed. Approximately 20% to 30% travel. (mileage paid at the current IRS rate of 72.5 cents per mile) Providing complete lending-based services by combining the relationship management, deposit, and treasury responsibilities, along with the basic credit analysis, loan origination, and portfolio management duties of a Business Lending Associate. This position serves as a single point of contact for small-to-midsize business clients, delivering a comprehensive banking experience that spans day-to-day transactional needs, cash management, and commercial credit solutions.

The ideal candidate thrives in a consultative, client-facing environment and is equally comfortable analyzing a borrower’s financial statements, at a basic level, as they are onboarding a new treasury management client.



 
Supervisory Responsibilities:
None



 
ESSENTIAL FUNCTIONS:
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Business Banking & Relationship Management:

• Develop, manage, and deepen relationships with a portfolio of small-to-midsize business clients (typically $100K-$25M in annual revenue).
• Conduct business needs analyses to identify and recommend appropriate banking products including business checking, savings, money market accounts, and merchant services. 
• Onboard new business deposit clients, ensuring accurate documentation and compliance with CIP/BSA/AML requirements.
• Cross-sell treasury management, remote deposit capture, ACH origination, along with other business solutions.
• Partner with retail branch staff to generate referrals and expand the business client base.
• Represent the credit union at community and business networking events to build brand awareness and prospect new clients.

Business Lending & Credit:

• Assist with the origination of commercial loan requests including term loans, lines of credit, equipment financing, and owner-occupied real estate.
• Collect and analyze business and personal financial statements, tax returns, cash flow projections, and credit bureau reports.
• Serve as a point of contact between the applicant(s)/borrower(s) and the commercial lending department - Collaborate with other Commercial Lending personnel and the Credit Union Service Organization (CUSO) to ensure timely decisioning and adherence to credit policy.
• Manage an active loan portfolio; monitor covenant compliance, renewal schedules, and early warning indicators of credit deterioration.
• Coordinate with accounting and other credit union teams to ensure smooth loan funding and proper collateral perfection.

Compliance and Risk Management:

• Maintain strict adherence to BSA/AML, CRA, Fair Lending, and all applicable federal/state banking regulations.
• Complete all required annual compliance training on schedule.
• Accurately maintain CRM data and activity logs for client interactions, pipeline, and closed business.
• Escalate fraud indicators, suspicious activity, and credit concerns through proper channels promptly.

EXPERIENCE, SKILLS AND OTHER REQUIREMENTS:
Required:

• Bachelor’s degree in finance, Business Administration, Accounting, or a related field; OR equivalent combination of education and banking experience.
• 2+ years of experience in business banking, commercial lending, or a related financial services role.
• Working knowledge of commercial credit underwriting principles and business financial statement analysis.
• Familiarity with business deposit products, treasury management services, and lending regulations (Reg B, Reg Z, Fair Lending, CIP).
• Proficiency with Microsoft Office Suite and banking CRM platforms (NetSolutions, Ultracs, or similar).
• Excellent written and verbal communication skills; ability to present complex financial concepts clearly to business owners.
• Strong organizational skills with the ability to manage multiple priorities and meet deadlines in a fast-paced environment.

Preferred:

• Familiarity with treasury management product sales (ACH, positive pay, checking, money market accounts, sweep accounts, cash concentration, etc.).
• Active community involvement and existing network of local business contacts.

CERTIFICATES & LICENSES:

• Must successfully complete BSA training as required. 
• Must be bondable (insurable)

COMPENSATION & DEVELOPMENT:
Sunbelt offers a competitive, performance-driven compensation structure. Depending on experience when hired, Sunbelt will determine the length of a trial period from six months up to twelve months. During the initial trial period salary will be based solely on a per hour rate giving time to learn Sunbelt’s systems and acclimation to all other aspects of the job. After the trial period has ended, pay will change to a base plus commission pay structure.

• Base Salary: Commensurate with experience; reviewed annually
• Incentive Plan: Dual-track variable pay for deposit/treasury production and loan origination volume
• Development: Ongoing treasury management and credit training, professional certification support and potential career pathing

  KEY PERFORMANCE METRICS:

• New business deposit accounts opened and balances grown quarter-over-quarter.
• Optimization of client utilization of all credit union products and services.
• Treasury/cash management product sales per client.
• Timely processing of commercial credit requests.
• Client experience/satisfaction scores and relationship retention rate.
• CRM data quality and activity completion rates.

  WORK ENVIRONMENT:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

• This position operates primarily in a professional office/branch environment with quiet to moderate noise levels. 
• The role requires the ability to sit or stand for extended periods, use a computer, and communicate clearly in person, by phone, and in writing. 
• Occasionally driving to branches and/or to meet with members/potential members is required.

  Position Type/Expected Hours of Work: 
This is a full-time position. Days and hours of work are Monday- Friday 8:00 a.m. to 5:00 p.m., and occasional Saturdays, hours vary.

  Benefits Offered:

• 401K, with employer match and profit shares
• Medical Dental & Vision insurance
• Life, STD, LTD, AD&D
• Paid Holidays
• Education Assistance Program 
• PTO (Paid time off) that begins accruing day one. (usable after 90 days)
• Employee Assistance Program (EAP)

Employment Requirements:
All applicants must meet certain conditions of employment to be eligible for employment at Sunbelt Federal Credit Union:

• U.S. Citizenship
• Successfully passing a background investigation

DECLARATION
This job description is designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Sunbelt FCU is an Equal Opportunity Employer.