Member Business Relationship Officer

Danville, PA
Full Time
220 - Lending
Experienced
Role:
 
Calls on prospective and existing clients to, originate, underwrite, manage, and grow the Credit Union's portfolio of member business loans, with overall objective of maintaining and increasing its asset quality; to develop new and existing business relationships for both loan and deposit services.

This position is eligible for a hybrid work from home schedule, as set and approved by the position's manager in accordance with the credit union's Remote Work policy.
 
Essential Functions & Responsibilities:
 
E70%Participates in developing lending and deposit business for the Credit Union. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the Credit Union's client base. Represents the Credit Union at various functions to develop and maintain business relationships. Takes applications for commercial loan business. Reviews member financial condition and assesses the member's ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans. Responsible for post-closing file management. Assists loan support department to clear any audit findings.
E20%Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date member files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation. Assist member/staff with business loan related questions, including loan modifications and payment issues. Assists with training of new business lending personnel.
E5%Assists in collection of past due loans and liquidation of collateral if necessary.
N5%Performs other job-related duties as assigned.
 
Performance Measurements:
 
1.Under the direction of the VP Member Business Services, develops strategic goals and targets for new and existing business development and member business relationships. Assist in designing, developing and implementing programs, products and services related to member business loan and deposit accounts.
2.Travel on a regular basis to visit potential and existing member business clients, branch locations and SEGs to ensure level of service meets credit union's quality service standards.
3.Establish and maintain involvement in community efforts. Be a visible presence in the local communities. Promote the credit union through visible participation in business, community and charitable organizations and activities.
4.Pursue and identify member business loan and deposit clients and service accounts. Present the products/services of the credit union, analyze requests, decision the request within granted loan authority or recommend the request and continue until the request has been satisfied and closed. Ongoing monitoring of the accounts will be required, including periodic loan reviews. Assist in the collection of member business account delinquencies as required.
5.Perform functions relating to loan services, to include providing information about the services, interviewing applicants, determining collateral needs and payment plans, reviewing, underwriting, processing, closing loan applications and post-closing duties. Approve consumer and member business loans up to authorized level, prepare all loan documents, schedule appointments, disburse funds, and mail notices following federal and Credit Union laws, regulations and policies. Communicate frequently with other credit union employees and CUSO staff.
6.Promote deposit accounts and services to businesses and manage the ongoing performance of the portfolio.
7.Assist the CLO and CXO in the creation and implementation of new member business solutions.
8.Provide support to credit union and CUSO lenders with financial statement analysis, loan documentation, loan underwriting, clerical tasks and documentation collection as required.
9.Assist with internal audits and examinations.
10.Promote credit union products and services by cross-selling to meet members', select employer group (SEG) and/or member business needs.
11.Provide informed, prompt, professional and accurate service and support to all members and associates. Assist with other member and financial services as necessary.
12.Assist in the training and development of additional member business lending staff as required or necessary including but not limited to the Member Business Loan Processor.
13.Maintain up-to-date knowledge of general economic conditions as well as knowledge of state and federal laws related to member business lending and services, including any federal or state reporting requirements. Ensure that all activity is in compliance with established policies and regulations.
14.Monitor, evaluate and report on competitive financial products from major competitors within the region to provide management with sufficient information to identify potential opportunities or weaknesses the credit union faces. Maintain knowledge of competitors' rates, terms, etc., as well as internal trends relating to member business services including loans, deposits and account services.
15.Ensure that all members, both internal and external, receive prompt, efficient, courteous, and professional service and that member problems and complaints are resolved promptly, courteously and fairly.
16.Provides recommendation and input regarding ALM strategy and liquidity management.
17.Responsible for maintaining awareness of loan concentration limits and providing recommendations to VP of Member Business Services regarding management of limits.
18.Serves as the SBA loan specialist for the credit union.
19.Maintain a thorough knowledge of state and federal laws related to commercial lending, including any federal or state reporting requirements. Maintain a current understanding of lending regulations and comply with policies and regulations including, but not limited to, Bank Secrecy Act, Truth in Lending, Fair Lending, RESPA, HMDA, MLA, FCRA, SAFE Act and Collections laws. Knowledge of the Small Business Administration lending procedures is required.
20.Maintain eligibility and continuing education requirements necessary to obtain and maintain various licenses required to underwrite/analyze loans, sell insurance or any other Credit Union related product.
 
Knowledge and Skills:
 
ExperienceA minimum of five years’ business lending or business credit analyst experience is required. A minimum of five years of experience as a loan officer with lending authority at Service 1st may be considered in lieu of business lending experience. Must demonstrate proven business development and financial analysis skills. Experience analyzing business financial statements and assessing the viability of businesses is required. Knowledge of the Credit Union movement and philosophy is preferred.
 
Education(1) A bachelor's degree in business, finance or related field, 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 SkillsWork involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
 
Other Skills- A valid state driver's license is required.
- Must have experience in analyzing business financial statements and assessing the viability of businesses;
- Must have excellent communication skills;
- Requires proficient personal computer skills with the ability to learn new software programs and adapt to digital first strategies and methods.
- Requires intermediate mathematical skills (calculations and concepts involving decimals, percentages, fractions, etc.)
- Requires professional, well-developed interpersonal skills necessary for projecting and communicating a positive image.
- Excellent presentation, verbal and written communication skills are required.
 
Physical Requirements- Requires exertion of up to 20 pounds of force to occasionally move objects.
- Involves sitting most of the time. Walking and standing are required occasionally.
- Repetitive finger movements to perform typing or otherwise working with paper files and documents.
- Requires close visual acuity to prepare and analyze data and figures; view a computer terminal; read; assess work quality and operate a motor vehicle.
 
Work Environment- Not substantially exposed to adverse environmental conditions.
- State of Pennsylvania residency required.
- Position is eligible for a hybrid work from home schedule, as set and approved by the positions manager in accordance with the credit union's Remote Work policy. In order to be approved to work from home, a cable modem or fiber internet connection is required which must have minimum service speed of 10M download / 2M upload, with less than 1% packet loss. Internet service and modem are the employee's expense.


Service 1st Federal Credit Union provides equal opportunity without regard to sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected veteran status, or any other characteristic protected by applicable law in employment and in our business activities.

Share

Apply for this position

Required*
Apply with Indeed
We've received your resume. Click here to update it.
Attach resume or Paste resume
Attach resume as .pdf, .doc, .docx, .odt, .txt, or .rtf (limit 5MB) or Paste resume

Paste your resume here or Attach resume file

To comply with government Equal Employment Opportunity and/or Affirmative Action reporting regulations, we are requesting (but NOT requiring) that you enter this personal data. This information will not be used in connection with any employment decisions, and will be used solely as permitted by state and federal law. Your voluntary cooperation would be appreciated. Learn more.
Invitation for Job Applicants to Self-Identify as a U.S. Veteran
  • A “disabled veteran” is one of the following:
    • a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or
    • a person who was discharged or released from active duty because of a service-connected disability.
  • A “recently separated veteran” means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.
  • An “active duty wartime or campaign badge veteran” means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.
  • An “Armed forces service medal veteran” means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.
Veteran status


Voluntary Self-Identification of Disability
Voluntary Self-Identification of Disability Form CC-305
OMB Control Number 1250-0005
Expires 04/30/2026
Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

  • Alcohol or other substance use disorder (not currently using drugs illegally)
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
  • Blind or low vision
  • Cancer (past or present)
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or serious difficulty hearing
  • Diabetes
  • Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
  • Epilepsy or other seizure disorder
  • Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
  • Intellectual or developmental disability
  • Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
  • Missing limbs or partially missing limbs
  • Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
  • Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
  • Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
  • Partial or complete paralysis (any cause)
  • Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
  • Short stature (dwarfism)
  • Traumatic brain injury
Please check one of the boxes below:

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.

You must enter your name and date
Human Check*