KEMBA Financial Credit Union Inc.
Commercial Business Development Officer
KEMBA Financial Credit Union Inc., Columbus, Ohio, United States, 43224
Title: Commercial Business Development OfficerReports to: Business Services and SBA Lending ManagerStatus: ExemptObjectiveCommercial Business Development Officer is responsible for actively developing business contacts within the community and providing business banking solutions with loan, deposit, and ancillary products to meet or exceed budgeted goals. Responsible for receiving, reviewing, evaluating, and pre-qualifying business loan requests. Meets with and manages member and potential member needs through a holistic relationship management approach, which includes understanding their business and personal needs as well. Meets with members to explain KEMBA’s products and services and to present them as possible solutions. Collects loan information and documentation. Serves members and prospective members promptly and professionally. Provides general Credit Union information and cross- sells services. Assists internal and external Business Services personnel as needed.Duties and ResponsibilitiesAssumes responsibility for the effective and professional completion of assigned business loan functions:
Interviews, takes applications, and processes preliminary documentation on business loan requests. Discusses loan alternatives, credit criteria, interest rates and loan documentation in such a manner as to elicit positive responses from membersAnalyzes and evaluates loan requests and prepares written submission for consideration by the Business Loan Committee or underwriter. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problemsAssists in review of construction loan advances on commercial properties, as needed.Conducts property inspections as assigned as well as annual site visitsFollows-up and collects updated documents needed to renew matured loansAssists in the collection of delinquent accounts as requiredCompletes lending functions in accordance with established Credit Union policies and legal requirementsWorks with businesses to establish and grow deposit relationshipsOffers business credit cards and merchant card services to all eligible business members.Works within a Market Area Team toward meeting multiple-product goals including business and personal products.
Assumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals:
Answers questions and resolves requestsKeeps borrowers informed of Credit Union loan policies and servicesMeets with applicants whose loans are denied and explains reasons and alternatives, as neededMaintains and projects the Credit Union’s professional reputationCultivates Credit Union presence in the community by regularly representing Credit Union at business group meetings, Chambers of Commerce, networking groups, etc. in the Credit Union’s major markets
Assumes responsibility for establishing and maintaining effective communication, coordination and working relations with Credit Union personnel and with management:
Coordinates functions with related departments and branches and provides support as neededAssists Business Development personnel and provides support with Select Employee Groups (SEGs) as neededKeeps management informed of area activities and of any significant problems.Attends and participates in meetings and committees as requiredCompletes required reports and records
Assumes responsibility for related duties as required or assigned:
Cross-sells Credit Union servicesStays informed regarding changes in lending standards and related legal requirementsCompletes special projects as assigned
Assists in development of new products/servicesAssists in development of new and less experience Commercial Business OfficersAssists in other areas as directed by Credit Union managementDevelops an understanding of Credit Union history, philosophy, organization, policies, and operational proceduresOn a self-directed basis, continues to improve individual level of competency through training and certification on established educational programsRequired QualificationsUndergraduate degree in Business or a related field, or equivalent combination of training and work experienceUnderstanding of financial analysis and determination of credit worthiness2+ years of business banking or commercial lending experienceExcellent communication and public relations skillsStrong analytical abilitiesPhysical DemandsThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of the job, the employee is regularly required to sit; use hands to manipulate, handle, or feel and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.
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Interviews, takes applications, and processes preliminary documentation on business loan requests. Discusses loan alternatives, credit criteria, interest rates and loan documentation in such a manner as to elicit positive responses from membersAnalyzes and evaluates loan requests and prepares written submission for consideration by the Business Loan Committee or underwriter. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problemsAssists in review of construction loan advances on commercial properties, as needed.Conducts property inspections as assigned as well as annual site visitsFollows-up and collects updated documents needed to renew matured loansAssists in the collection of delinquent accounts as requiredCompletes lending functions in accordance with established Credit Union policies and legal requirementsWorks with businesses to establish and grow deposit relationshipsOffers business credit cards and merchant card services to all eligible business members.Works within a Market Area Team toward meeting multiple-product goals including business and personal products.
Assumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals:
Answers questions and resolves requestsKeeps borrowers informed of Credit Union loan policies and servicesMeets with applicants whose loans are denied and explains reasons and alternatives, as neededMaintains and projects the Credit Union’s professional reputationCultivates Credit Union presence in the community by regularly representing Credit Union at business group meetings, Chambers of Commerce, networking groups, etc. in the Credit Union’s major markets
Assumes responsibility for establishing and maintaining effective communication, coordination and working relations with Credit Union personnel and with management:
Coordinates functions with related departments and branches and provides support as neededAssists Business Development personnel and provides support with Select Employee Groups (SEGs) as neededKeeps management informed of area activities and of any significant problems.Attends and participates in meetings and committees as requiredCompletes required reports and records
Assumes responsibility for related duties as required or assigned:
Cross-sells Credit Union servicesStays informed regarding changes in lending standards and related legal requirementsCompletes special projects as assigned
Assists in development of new products/servicesAssists in development of new and less experience Commercial Business OfficersAssists in other areas as directed by Credit Union managementDevelops an understanding of Credit Union history, philosophy, organization, policies, and operational proceduresOn a self-directed basis, continues to improve individual level of competency through training and certification on established educational programsRequired QualificationsUndergraduate degree in Business or a related field, or equivalent combination of training and work experienceUnderstanding of financial analysis and determination of credit worthiness2+ years of business banking or commercial lending experienceExcellent communication and public relations skillsStrong analytical abilitiesPhysical DemandsThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of the job, the employee is regularly required to sit; use hands to manipulate, handle, or feel and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.
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