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JEANNE D'ARC

Union HQ VP Commercial Loan Officer Lowell, MA Apply Vice President, Commercial Loan Officer The Vice President, Commercial Loan Officer will manage and develop a commercial business portfolio through prospecting, leveraging relationships with centers of influence, and identifying cross-selling opportunities with existing members. This role will report to our Vice President, Commercial Lending & Business Services.

Essential Functions & Responsibilities:

• Cultivates new lending and deposit opportunities that can be developed into strategic relationships; develops, retains, and maintains loan and deposit relationships.
• Coordinates the generation, underwriting, and management of commercial loans.
• Exercises due diligence in analyzing loans, including assessing risks, real estate analysis, cash flow, profitability, and credit while adhering to regulatory requirements.
• Interviews business loan applicants; researches business; collects and analyzes tax and financial information to determine the current creditworthiness.
• Understands and maintains a broad level of knowledge on small business & commercial products to foster relationship-building.
• Assists in the management of the loan portfolio to ensure credit quality and to minimize losses.
• Ensures borrowing members adhere to loan covenants, maintains current member risk ratings, and ensures credit files remain current.
• Reviews maturing loans and presents for renewal if applicable.
• Manages and gathers financial information to perform annual loan review, recommends changes to risk ratings when appropriate, and monitors covenant compliance.
• Conducts yearly site visits to coordinate with annual loan review of the commercial portfolio if necessary.
• Assists in resolving commercial business loan delinquencies and servicing issues.
• Deescalates challenging member situations by problem-solving, exercising sound judgment and decision-making skills.
• Analyzes loan requests, terms, evaluation of credit risk, and other vital factors and presents administrative issues for approval.
• Supports department metrics and monitors metric performance.
• Identifies opportunities to build awareness, share successes, and close gaps relative to performance inhibitors.
• Participates in the development of overall department operating policies and procedures.
• Promotes Jeanne D\'Arc Credit Union through community involvement, memberships in organizations and business networks, and visibility at community events.

Knowledge & Skills:

• Seven to ten years of related experience. Must have a valid driver\'s license and a good driving record.
• Bachelor\'s degree required or an equivalent.
• Ability to motivate and influence others.
• Advanced negotiation and conflict resolution skills are required, including the ability to diffuse upset members skillfully and gain the trust and cooperation of others.
• Exceptional written and verbal communication skills are required, including providing clear delegation of tasks and presenting confidently to individuals at all levels.
• -Empathy, patience, active listening, and sound judgment are required. This position requires a high degree of confidentiality, discretion, diplomacy, and tact in communication.
• Ability to understand and communicate products, services, and regulations.
• Proficiency with Microsoft Office, business applications, and learning the core system and other related software are required.
• Apply cognitive reasoning to daily tasks, take ownership, and work independently.
• Writing, reading, and comprehending complex instructions, correspondence, memos, policies, and procedures.
• Ability to dissect raw data into a summarized analysis and perform research on current and new lending practices.
• Applies knowledge and experience to develop solutions and implement appropriate actions.
• Position requires driving and frequent local travel, attendance at events.

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