Commercial Lending Officer II

To originate complex business loans and lines of credit offered by Business Solutions. Develop new business with current members, prospects, and Centers of Influence. Focus on retaining and deepening existing relationships in while being accountable for developing new business both in their current market and nationally. Serve as relationship ambassador between business members and Business Solutions. Work is performed under limited supervision.

• Develop new business with prospects and members that have the largest and most complex credit needs by actively participating in community activities, networking, and in-person meetings
• Subject matter expert identifying and interpreting trends in the market to structure lending results
• Maintain understanding of business member needs and competitor offerings to contribute to the overall strategy of Business Solutions
• Manage the most complex business member relationships
• Prepare and complete credit memo presentations for credit recommendations to the appropriate levels of management for approval
• Monitor the business loan process to ensure compliance with applicable federal and state laws, rules, regulations, and Navy Federal policies and procedures
• Collect and analyze supporting financial documentation and effectively perform financial/credit analysis on new lending opportunities, modifications, and renewals
• Manage the business loan closing process and loan proceed disbursement
• Conduct onsite visual inspections of businesses to ensure adherence to collateral and/or covenants member borrower
• Perform ongoing quality control to ensure efficiency and accuracy of processes and procedures
• Detect errors and initiate or arrange for corrective action; ensure resolution
• Conduct quality control reviews of documents to ensure adherence to applicable federal and state laws, rules and regulations and Navy Federal policies and procedures; communicate and/or correct errors/omissions
• Involved in driving continuous process improvement to increase member experience quality; increase revenue, minimize financial risk and maintain high operational efficiency
• Remain alert to threats to loan security, fraudulent applications, and other questionable practices that may negatively impact the quality of the loan portfolio or create inappropriate financial risk
• Mentor and guide Commercial Lending Officer Is
• Perform other duties as assigned

• Significant experience working in a business lending role, preferably for a large financial services organization
• Significant experience in small business and commercial lending
• Advanced knowledge of applicable federal and state laws, rules and regulations
• Significant experience in working with all levels of staff, management, stakeholders, merchants, vendors
• Significant experience in managing multiple priorities independently and/or in a team environment to achieve goals
• Advanced relationship cultivation, sales and consulting skills
• Advanced skill comprehending, analyzing and explaining multiple, complex loan programs, financing options and basic mathematical principles
• Advanced skill applying lending principles, financial practices and evaluation of creditworthiness to make credit decisions
• Advanced skill managing multiple priorities independently and/or in a team environment to achieve goals
• Advanced skill developing, documenting and presenting credit analyses involving business lending opportunities including commercial real estate, commercial and industrial and SBA type deals
• Advanced skill working independently and in a team environment
• Advanced organizational, planning and time management skills
• Advanced skill exercising initiative and using good judgment to make sound decisions
• Advanced skill interacting with staff, management, vendors and members diplomatically and tactfully
• Advanced skill comprehending, analyzing, interpreting, communicating and applying government and financial industry regulations
• Advanced skill building relationships through rapport, trust, diplomacy and tact
• Advanced research, analytical, and problem-solving skills
• Advanced skill maintaining accuracy with attention to detail and meeting deadlines
• Advanced skill compiling, organizing and presenting information clearly and concisely
• Advanced verbal, interpersonal and written communication skills
• Advanced word processing, spreadsheet, and presentation software skills (e.g., Microsoft Access, Excel, PowerPoint, etc.)
• Bachelor's degree in Finance, Economics, Business Administration, or related field, or the equivalent combination of education, training and experience

Desired Qualifications