Remote Commercial Banking Lender

Senior Commercial Loan Officer The Senior Commercial Loan Officer originates and services a variety of commercial loans (conventional, SBA, construction, C&I) to include some complex credits. Has substantial commercial lending knowledge and experienced in participating in business development activities, cultivating existing relationships, while promoting and developing new relationships.
Operate with commercial lending authority as established by credit policy. Through sales calls and relationship building, develops new business and expands existing relationships aligned to production goals. Identifies banking needs, secures financial data for analysis, and makes proposals for new business. Reviews existing account relationship for opportunities to meet additional needs with other products or services, makes proposals as appropriate. Gather and evaluate documentation from applicants, structures, negotiates, and closes all types of commercial loans within established credit authority limits; oversees processing of commercial loan documents and file maintenance; coordinates collection activities; provides direction to loan servicing, collection, loan administration support staff and guide to less experienced commercial lenders; Maintain knowledge of commercial loan products and services as well as knowledge of the industries or market areas served. Call on potential customers Ensure commercial banking relationships are fully developed, including specific efforts to serve the retail banking needs of the members' owners/management/associates by partnering with TDECU product leaders. Develop and manages a portfolio of commercial loan accounts that meet established lending requirements and maximize profitability to the credit union with minimal risk. Review and approves portfolio maintenance and loan administration actions in accordance with TDECU, Federal, State and NCUA policies. Responsible for identification and evaluation of deteriorating loan situations in order to recognize charge-off loans early and manage credit to minimize losses. Handles follow-up, collections, or delinquent and problem loans as requested. Work in concert with internal and external analysts, underwriters, processors, legal counsel, and corporate credit review staff to ensure compliance with TDECU policies and procedures and federal, state, and NCUA regulations. Complete any other job-related duties needed to help drive to our Vision, fulfill our Purpose, and abide by our Organization's Values.
Minimum Qualifications: Education: Bachelor's degree in business, finance, management, or an equivalent mix of education and experience is required.
Experience with member/client service, analyzing business financial statements, assessing loan risk, and processing commercial loans required. Expert knowledge of commercial lending including construction, CRE and C&I. Ability to work both remotely and collaboratively and maintain efficiency in either environment. Demonstrate strong core values of integrity, inclusion, empathy, and accountability.
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.)
Our company offers a dynamic hybrid work arrangement, which requires three days of on-site work. Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin, or other status protected by federal, state, or local law. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

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