Business Banking Loan Officer - Baltimore

APGFCU - Your Community Credit Union! For over 80 years, APGFCU has shared our financial experience and provided valuable products and services to build stability and financial independence, one member at a time. We are looking for those who want to join this movement and become a part of a growing organization. We offer competitive pay and great benefits.

Summary: Under the general supervision of the vice president business banking, through external calling and community involvement, this position is responsible for the expansion of existing relationships and development of new relationships with business establishments, their owners and employees. This position is responsible to collect and review appropriate financial information to recommend loan requests for analysis and approval. Provide mentorship to business service managers (BSM's) and branch managers through training efforts that include meetings, joint calling and member relationship management. In addition, this position is responsible to enhance the credit union's image within the community through participation in organizations and events and contribute to the achievement of credit union goals.

Essential Duties and Responsibilities:

• Maintain member relationships to achieve, prosper and grow to their maximum potential.
• Perform commercial and real estate lending and business development duties to include visiting with and counseling loan prospects and existing members to develop information regarding lending, deposit, treasury management and other commercial banking needs.
• Create a personal calling program to meet annual quantitative member service and sales objective goals as assigned by VP business banking. Prepare and maintain accurate records of all member service calls made and meetings held with present and prospective members.
• Develop a network of Centers of Influence (COI's.) Solicit relationships with community, professionals and small business organizations.
• Identify and solicit potential business banking members from present and prospective members; interview applicants; maintain ongoing business relationships and cross-sell. Request possible referral information from existing members.
• Work proactively with business service managers (BSM's) and branch managers to meet the loan, deposit and service needs in the communities served.
• Refer consumer deposit and loan opportunities to branch operations.
• Analyze financial statements and other application documents to determine viability of loan request and financial capabilities of applicants prior to submission for underwriting.
• Develop and maintain knowledge of credit analysis methods and techniques to perform credit and financial analyses to support loan decisions.
• Work with applicants to determine the structure of the loan, including pricing and terms in accordance with the APGFCU's policies.
• When appropriate, prepare loan packages and present to Loan Committee for review.
• Coordination, preparation and review of loan documentation in accordance with the loan approval and regulatory requirements.
• Monitor existing loan portfolio to maintain a high-quality asset base. Maintain up-to-date client files including current balance sheets, profit & loss statements and all loan documentation. Ensure conformity with loan terms.
• Responsible for ongoing portfolio management of relationships including identification and documentation of problem loans, policy exceptions, grade changes, annual reviews, and/or special reviews that may be required.
• Assist in collection of past due loans. Maintain credit quality to minimize exceptions, and to prevent past dues and charge offs.
• Assists in product and service development to ensure member satisfaction.

Other: Perform other duties as assigned.

Additional: Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures as related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable).

Qualifications:

Education: Bachelor's degree in Business Administration or Finance required; MBA or equivalent work experience preferred. Certifications and licenses a plus. Experience can be credited in lieu of education.

Experience: Seven plus years of direct commercial lending as a loan officer to include analyzing loan applicants, credit history, income, asset profiles, tax returns, financial statements, and other complex financial documents. Three years underwriting and making loan recommendations required.

Knowledge, Skills, and Abilities:

• Extensive experience in reviewing and understanding financial statements as a tool in making credit decisions.
• Self-motivated; detail-oriented, with strong organizational skills, decisive, with a "get it done" mentality.
• Proficient computer literacy in Microsoft Suite, with concentration in Word and Excel.
• A strong commitment to the communities in APGFCU's field of membership.
• Must possess high level of interpersonal skills, excellent communication, sales, relationship management and public relations skills.
• Experience in advising loan applicants and assessing loan applications.
• A high degree of confidentiality is required for this position.
• Must have functional knowledge and comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Must maintain a positive and productive work atmosphere through communicating in a manner that promotes positive working relationships with leaders, members, employees, board members and external vendors.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand; walk; use hands to handle or feel objects, tools, or controls; and talk or hear. The employee frequently is required to reach with hands and arms. The employee is frequently required to type, sit, stoop, kneel, or crouch. The employee must frequently lift and/or move up to 25 pounds, and be capable of transporting related supplies and equipment. Specific vision abilities by this job include vision, distance vision, color vision, peripheral vision, depth perception and the ability to focus.

Compensation information: Offers are based on experience and education.

$102,148.80 - $127,691.20 annually

APGFCU provides comprehensive benefits such as: medical and dental (shared expense), vision, 401(k), life and disability insurance, flexible spending account, employee assistance program, referral program, educational assistance, holidays, annual leave and sick leave.

APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability to Protected Veteran status. Please use the attached link to view the EEO law poster http://www1.eeoc.gov/employers/poster.cfm

APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities, including persons with disabilities. If you need a reasonable accommodation for any part of the employment process, please send to the Human Resources Department and let us know the nature of your request and your contact information. Reasonable accommodations are considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodations will be responded to from this e-mail address.