Commercial Loan Processor - Servicing

Commercial Loan Officer
The Commercial Loan Officer (LO) will be responsible for originating and closing commercial loans including assessing an applicant, financial analysis, industry and market research, management capacity, and collateral, among other factors, to complete a loan transmittal for underwriting. The position will have a primary focus on loans for affordable housing, which often include construction and complex ownership and financing structures. The LO is responsible for ensuring that all loans conform to Self-Help's underwriting policies. Critical to this role is the understanding of the value of teamwork and customer relationships as the LO will have direct contact with both internal and external customers and will work closely with other loan officers, sector leaders and underwriters to perform the principal duties and responsibilities of this role.
Analysis and Synthesis
Independently conducts industry, financial, and risk assessment analysis. Identifies key credit issues and makes credit recommendations to decision-makers.
Proposes appropriate loan terms in compliance with internal credit and program requirements.
With support, navigates loan structuring topics, such as third-party guarantees, tax credits, or multiple sources in a capital stack.
Demonstrates independent critical reading skills and accurate synthesis of information from third-party reports on environmental, market and collateral topics.
Independently prepares the full credit memo, which is reviewed by underwriter, and oral presentation of loan request, communicating credit drivers.
Project and Priority Management
Successfully serves as primary LO / manages several (~4-6) active loans (~2 in origination, ~2 in disbursement, ~2 in portfolio needing attention) at one time.
Understands and works to manage to the timing and needs of valuation, environmental, construction, legal, and servicing processes and teammates.
Relationship Building and Customer Service
Provides good customer service, including prompt responses and basic technical assistance, to several (~4-6) active loans (~2 in origination, ~2 in disbursement, ~2 in portfolio needing attention) at one time.
Builds rapport and relationships internally and externally to effectively accomplish the work and create repeat customers. Is self-motivated to successfully complete assigned work and, when asked, occasionally volunteers for work in support of the team (e.g. retreat planning, process documentation, etc.).
Consistently produces high quality work product. With coaching, works to improve quality and efficiency of work.
Proficiently works more simply structured loans and developing proficiency in more complex structures, including a variety of loan sizes and collateral types.
Bachelor's degree in related field OR equivalent related experience.
~5 years of experience in in lending, finance, or community development OR equivalent related experience.

Strong commitment to our mission creating economic opportunity for traditionally underserved communities.
Ability to demonstrate Self-Help's Core Values:
Service With Excellence
Results Not Credit
Diversity as a Strength
Financial Sustainability for Mission Impact
Self-Help is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Self-Help is committed to providing equal employment opportunities to all persons, regardless of race, religion, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression (including transgender status), age, sexual orientation, military and veteran status, class or family status.
Self-Help Federal Credit Union