Small Business Relationship Officer

American Heritage Credit Union, a $4.8+ billion credit union, has an immediate opening for a Small Business Relationship Officer.

This position will establish relationships with new and existing small business members. Call on existing and prospective small business members to understand their needs and provide solutions that create a value for the member and small business loan portfolio for the credit union.

RESPONSIBILITIES INCLUDE :

• Create value by generating a Small Business Loan Portfolio. Assets, profile, and analyze small businesses' (Sales $500K - $10M) financial needs and propose customized packages of financial products.
• Establish and negotiate the terms under which credit will be extended, including the costs, repayment method, and collateral requirements.
• Evaluate prospects by obtaining and analyzing necessary financial information in order to determine the feasibility of prospective borrowers and provide recommendations concerning further consideration of requests.
• Coordinate Investigations and Develop Recommendations - Provide necessary information to contract support agencies to obtain a full financial evaluation and rating of member and their credit request.

This information is then evaluated to determine whether or not a presentation is to be prepared for the Vice President of Commercial Lending and / or Loan Committee of the Board.

• Prepare and present loan proposals by developing a presentation of the analysis prepared by the contract service for delivery to the Vice President of Commercial Lending and or the Loan Committee of the Board.
• Prepare necessary forms for contract service to prepare loan documentation and represent credit union at loan closings.
• Obtain, evaluate, and underwrite credit requests within the limits of approved authority.
• Serve as a full-service representative by maintaining familiarity with small business and consumer loan and deposit products so that all member needs can be serviced.

QUALIFICATIONS :

• Five years to eight years of similar or related experience.
• At least five to eight years of experience in business or financial sales.
• Two years of credit underwriting and financial analysis experience preferred.
• Equivalent to a college degree (BS or BA in a relevant field).
• Work requires knowledge of small business and consumer loan policy; credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan.
• Knowledge of loan interviewing skills and techniques required.
• Knowledge of financial statement interpretation as applied to business accounting and financial principles.
• Must have experience in analyzing business financial statements and assessing the viability of businesses
• Requires judgment to apply broader aspects of established practices to situations, which go beyond clear, concise guidelines.

Our commitment to your success is enhanced by our competitive salary commensurate with experience and an extensive benefits package including paid time off, health benefits, 401(k) with a generous company match, and future growth opportunities within the company.

We work to maintain the best possible professional and environmentally friendly atmosphere for our employees.

To be considered, correspondence should include a resume listing job history and salary expectations. Please be advised that credit, criminal, employment, drug / alcohol testing and education background checks are conducted on potential candidates.

All resumes will be reviewed, but only competitive candidates will be contacted for further conversation.

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