Position Closes Reporting to the Branch Manager, the Commercial Loans Officer is responsible for the credit granting functions within the personal, agricultural, commercial and mortgage areas, including interviewing clients, assessing credit worthiness and authorizing loans within limits and/or recommending or declining loans based on established lending granting criteria. Analyzes financial statements, operating cycles, profit levels, cash flow projections and other factors or variables that affect loan viability and risk.
Promotes, up-sells and cross-sells the full range of credit union products and services and actively participates in all branch campaigns to promote loan growth. Maintain a high profile and image as the financial institution of choice in the branch trading area by establishing member client and non-member client relationships and business contacts. Conducts a systematic collection procedure and initiates and/or recommends appropriate action to ensure safety of funds and delinquency ratio.