Commercial Lender - Morristown Branch

Eastman Credit Union is now hiring a Commercial Lender for the Morristown Branch! A Commercial Lender promotes credit union services to current and potential business/commercial members. Advises and assists business members to develop commercial and investment financial strategies. Assist in the growth of deposits and a quality member business loan (MBL) portfolio by ensuring excellent service for existing members and actively soliciting new business. Maintain accurate risk ratings, up to date financial reporting and conduct credit reviews on assigned MBL portfolio.

This position supports our new Morristown Branch, scheduled to open in Q4 2026. We are actively seeking candidates to be part of this exciting expansion. Prior to the branch opening, the selected candidate will be assigned to one of our two Greeneville, TN branches or the Rogersville, TN branch. Upon the official opening of the Morristown Branch, the role will transition to a full-time position at the new location. This is an exciting opportunity to grow with the organization while playing a key role in expanding our field of membership to better serve our members.

Our ideal candidate will conduct themselves in a way that reflects our high standards of professionalism and customer service. These standards include excellent communication skills, leadership ability, self-awareness, and flexibility. We search for candidates that reflect integrity, loyalty, and dedication in everything they do.

Eastman Credit Union offers competitive pay and benefits, promotional opportunities, and a culture that is hard to beat! We have high expectations for performance and want employees who can rise to the challenge.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• Promote ECU services to existing and potential business members.
• Develop ECU's business loan portfolio. Solicit new business.
• FOCUS:
• • Larger and more complex borrowing structures with discretion from manager.
  • Minimum total credit relationship over Business Loan Committee limit.
• Consult present and potential members on ECU business loans, deposits, treasury management services, and merchant services.
• Evaluate and determine opportunities for referrals to other areas of ECU such as residential mortgage lending, consumer lending, personal deposits, and asset management.
• Determine appropriate product, rate, fee, and loan structure needs.
• Systematically gather, evaluate, and interpret data. Spread financial statements as needed. Project cash flows and interpret financial information from present and potential business.
• Prepare and present loan Credit Memorandums. This would include making written and oral reports to loan committee(s) as required.
• Formulate and articulate loan recommendations. Must be able to interpret ambiguous and complex data using independent judgment and discretion.
• Ensure sound analysis and adherence to prudent lending practices, procedures, guidelines, policies, regulations, and laws.
• Grade loan requests appropriately in accordance with guidelines.
• Issue commitment letters in conformity with loan approval conditions and ECU lending standards.
• Oversee the loan process from application through closing. Interact with service providers to facilitate loan process.
• Responsible for ongoing serving and credit administration functions related to assigned loan portfolio.
• Maintain, monitor, and manage all assigned loans and take action on any delinquencies.
• Request continued documents such as financial statements from the business member in a timely manner.

• Consistently review portfolio to assure all loans are graded appropriately at all times to mitigate risk.
• Conduct timely annual credit reviews on assigned portfolio.
• Monitor delinquencies and charge-offs to understand and eliminate controllable contributing factors.
• Keep abreast of changes/trends in the industry as well as the national and local economy.
• Interact with employees and members to ensure service excellence.
• Make regular calls to businesses and business contacts to establish relationships and to increase awareness of services provided by ECU.
• Develop standards for operating efficiencies, identify and correct any internal control deficiencies.
• Assist in business services training for staff.

• Coordinate and assist with projects as requested.

• Maintain up-to-date knowledge of relevant regulations (including BSA, Reg CC, Reg X, Reg Z, and OFAC)

• Identify and manage risks within the department.

• Present and track required reports as directed by the Manager.
• Perform other duties or projects as directed by Manager.