Commercial Lender (26175) at PACIFIC CREST FEDERAL CREDIT UNION

Klamath Falls, Oregon, United States -

Full Time

Start Date

Immediate

Expiry Date

17 Mar, 26

Salary

0.0

Posted On

17 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Analytical Skills, Decision Making, Problem Solving, Financial Statements, Credit Analysis, Risk Management, Negotiation, Communication Skills, Organization, Prioritization, Customer Service, Loan Structuring, Portfolio Management, Team Collaboration, Regulatory Compliance, Economic Awareness

Industry

Financial Services

Description

Job Details Level: Experienced Job Location: Washburn - Klamath Falls, OR 97603 Position Type: Full Time Education Level: 4 Year Degree Travel Percentage: Negligible Job Shift: Day Job Category: Banking Pacific Crest Federal Credit Union (Pacific Crest) is a rapidly growing not-for-profit financial cooperative headquartered in Klamath Falls, Oregon. We are currently building, growing, and developing our Business Services Team. We are hiring for a COMMERCIAL LENDER in Klamath Falls, Oregon. Work with the Business Services Team which provides capital to local businesses who provide services to and employ members of our communities. The Commercial Lender requires the ability to build and maintain quality business member relationships, excellent analytical skills, detailed organizational and decision-making skills. The Commercial Lender will play a key role in advancing the Credit Union’s mission to provide our members and communities with the opportunity to prosper. Who We Are... We believe in the kind of service that comes only through a local institution, where every single person is a member — not a number. Our staff have roots here, and we care about the people we work with, both as members of our credit union, and as members of our community. So we listen with purpose. We bring creativity to challenges. We demonstrate integrity. And we deliver a structure of financial products and services to help our members explore the scope of what’s possible. Essential Job Functions Develop and maintain relationships with business members, understanding their financial needs and objectives, as well as identify and recruit potential members and business opportunities Evaluate loan applications, financial statements, tax reports, credit reports and other documentation to determine creditworthiness of applicants Structure and negotiate loan terms, ensuring compliance with Business Loan Policy and other regulatory requirements Work closely with members of the team to develop credit presentations to and present them to loan committee Closely manage a portfolio of loans by monitoring loan performance and managing risk by conducting regular reviews and follow-ups Stay updated on industry trends, economic conditions, and regulatory changes Collaborate with other departments to ensure seamless service delivery of all products and services for our business members Qualifications Education and Experience Bachelor’s degree in Finance, Business Administration, or a related field preferred Experience in a financial institution or credit program Experience or training in commercial lending or the equivalent Knowledge, Skills, and Abilities Strong analytical, decision making, and complex problem-solving skills In depth understanding of financial statements, tax returns, credit analysis, and risk management Proficient in negotiating loan terms and conditions to achieve favorable outcomes for both parties Ability to work independently and manage multiple priorities Strong written and verbal communication skills Proven organization, prioritization, and accuracy in work Physical Considerations Requires being under constant pressure for absolute accuracy within time limitations Requires working with disgruntled members and frequent interruptions Ability to lift and/or carry up to 30 pounds Stooping; kneeling; crouching; and reaching below, at, and over shoulder level required Sitting – 80%; standing and walking - 20% Hearing, visual, and verbal ability required Pacific Crest Federal Credit Union is an Equal Opportunity Employer.

Responsibilities

The Commercial Lender will develop and maintain relationships with business members, evaluate loan applications, and manage a portfolio of loans. They will also collaborate with team members to present credit proposals and ensure compliance with regulations.