Commercial Banking Officer II

Company Description

STCU is a growing regional credit union that is consistently rated one of the top-performing credit unions in the nation, and we have been named as one of Fortune Magazine’s Great Places to Work. We look for employees who have a strong desire to serve others, are lifelong learners, are committed to working hard, have a fun-loving attitude, and who want to make a difference in our members’ lives. We love people who share our passion for integrity, service, innovation, education, people, and celebration.

STCU offers excellent benefits:

• Paid time off
• Ten paid holidays
• Health plan – medical, prescription drug, dental, and vision
• Short-term disability insurance
• Life insurance and long-term disability insurance
• 401(k) retirement savings plan
• Training and development programs
• Semi-annual success sharing plan

Job Description

We are looking for our next stellar Commercial Banking Officer to support the greater Tri-Cities Area. 

Position Overview: The Commercial Banking Officer II is a trusted advisor and plays a key role in the growth and success of STCU’s Commercial and Business Services products. This position is responsible for developing, maintaining and identifying effective strategies necessary to maintain and expand the commercial portfolio while focusing on prospects with borrowing needs in excess of $500,000.00.

Core Job
Requirements/Outcomes

• Meet and exceed individual goals by identifying target markets, creating and maintaining a focused calling/prospecting plan and providing adequate terms, pricing and conditions for credit requests.
• Manage and develop existing loan portfolio by maintaining a trusted advisor role with the member and establishing consistent contact with the member, advising on products and services accordingly, and monitoring maturities and annual reviews. Ensure timely collection of required financials to minimize delinquencies and past due covenants and identify weak credits and create action plans to strengthen or exit problem credits.
• Develop and maintain sound credit skills by staying current on STCU’s Member Business Loan Policy, standards and procedures.

Other Essential Functions

• Develop and maintain partnerships across various departments within STCU to ensure a complete and robust understanding of how each group impacts the overall member experience. Coordinate accordingly to demonstrate your aptitude as a trusted advisor.
• Stay informed on current trends, best practices or other issues both internally and externally by being involved in your community and reading relevant news publishing

Qualifications

Qualifications:

Education - Bachelor’s degree in Business, Finance or related area required. Equivalent combination of education and experience may be considered.

Job Experience - Minimum three years’ experience with C&I lending or successful sales experience. Minimum three years successful sales experience in a production environment including deposits, cash management products, business lending required.

Software Skills - Previous experience with cloud banking software and/or construction loan management software such as nCino, Built and Malauzai is preferred. Proficient knowledge of MS Office programs including Outlook, Word, Excel, PowerPoint and Teams.

Physical Demands - Must be able to regularly talk, hear and operate a computer, keyboard and mouse and occasionally lift, pull/push and carry up to 10 pounds with accommodations.

Work Conditions - Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting. Exposure to high-stress, fast-paced, deadline-oriented environment.

Travel Demands - Travel as needed for site inspections and/or meetings/training.

Other - Perform additional duties as assigned for the efficient operation of the department and the organization. This includes the possibility of being assigned temporarily to other locations.

Additional Information

Please review our website for more information at www.stcu.org/careers.