Commercial Loan Officer in Daphne, Alabama at Alabama Credit Union

To process and underwrite member business loan applications, and make recommendations for approval or denial according to established loan policy; to develop member business loans and member business accounts through outside sales; and to provide ongoing analysis of existing member business loans and to make recommendations for action as needed.

Experience: Three years to five years of similar or related experience.

Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g. information technology certifications in lieu of a degree).

Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills:

Understanding of loan products, polices, regulations, loan underwriting concepts and lending risks are required, including understanding and working knowledge of the following:

• Personal financial statements, Cash flows, financial spreads
• Business entity types
• Commercial loan forms including notes, titles, UCC forms, liens and lien perfection.
• Knowledge of construction and development loans, and associated processes