What are the responsibilities and job description for the Commercial Relationship Officer- Bluegrass Market position at Park Community Credit Union?
Role
By emphasizing ONE Park, ONE Mission, One Team, the Commercial Relationship Officer builds and manages member relationships to meet their commercial lending and deposit needs in the designated market while driving credit union growth. This role involves originating, monitoring, and renewing loan and deposit relationships, analyzing financial data, and ensuring compliance with policies and regulations. The officer actively participates in community events, prepares loan proposals, monitors portfolio performance, and identifies potential credit risks. Additionally, this position cross-sells credit union products, supports member service needs, and collaborates with staff and management to achieve organizational objectives.
Essential Functions & Responsibilities
Experience Three years to five years of similar or related experience.
Education (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
Interpersonal Skills Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas
or services to others.
Physical Requirements
Other Skills Must have excellent organizational and communication skills.
WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. While performing the essential duties of this position, the employee is regularly exposed to a general office environment and interaction with customers.
PHYSICAL DEMANDS
The physical demands described here are representative of those required to successfully perform the essential functions of this position, but do not necessarily constitute an exhaustive list of all essential functions. To the extent required by any applicable law, reasonable accommodations will be made to enable qualified individuals with disabilities to perform essential functions where this can be done without posing a direct threat to self or others.
While performing the essential duties of this position, the employee frequently must sit, stand, and walk short distances. The employee frequently uses hands and fingers to count currency and handle, manipulate, and feel objects, documents, and office tools and equipment. Reads, writes, listens, speaks, and uses personal computers, copiers, telephones, and other office equipment and software throughout the work day. The employee is occasionally required to stoop, bend, squat, and reach overhead with hands and arms. Occasionally pushing and pulling of office furniture and other objects. The employee may occasionally lift and/or move up to 15 pounds and on occasion lift and/or move up to 25 pounds.
Park Community Credit Union is an Equal Opportunity Employer/ Veterans/ Disabled
By emphasizing ONE Park, ONE Mission, One Team, the Commercial Relationship Officer builds and manages member relationships to meet their commercial lending and deposit needs in the designated market while driving credit union growth. This role involves originating, monitoring, and renewing loan and deposit relationships, analyzing financial data, and ensuring compliance with policies and regulations. The officer actively participates in community events, prepares loan proposals, monitors portfolio performance, and identifies potential credit risks. Additionally, this position cross-sells credit union products, supports member service needs, and collaborates with staff and management to achieve organizational objectives.
Essential Functions & Responsibilities
- Collect, review, and analyze financial and related data to determine if the loan request, member, and/or collateral meet credit union standards. Prepare and submit loan request narrative. Establish and negotiate the terms under which the loan will be made to include rate, fees, term, and loan structure. Grow deposits in accordance with credit union’s budget. Work with processing staff on all third-party order requests. Review all documentation generated for closing to ensure accuracy and compliance.
- Actively work to grow credit union member business lending presence including building relationships within the market, professional groups, select employee groups and credit union staff. Participate in credit union community development or education events providing commercial lending expertise. Prepare for member sales calls, make sales calls, and provide call follow-up. Create and deliver loan proposals to members.
- Monitor the performance of the existing loan portfolio including following up with past due loans. Proactively work maturing loans. Recognize potential problem credits and bring them to the attention of management. Assist in gathering required documentation for annual reviews and other loan covenant monitoring. Monitor and enhance the profitability on all assigned relationships. Work other reports as needed.
- Maintain up to date knowledge of regulations, rules, policies and procedures governing all classes of loans with focus on Commercial Lending. Advise manager of any changes that may affect credit union processes to limit risk or loss.
- Maintain knowledge of credit union products and services and look for cross sell opportunities which will benefit the member’s financial needs. Cross-sell services such as business checking products and refer business or property owners to the branches for consumer deposit and loan products. Provide service as required by the member’s availability including needs that may require appointments or follow-up outside of traditional business hours.
- Perform other duties as assigned.
- To be an ambassador of Park's culture supporting the credit union's mission to build thriving communities together ensuring words and actions align with the Park VIBE that defines our Core Values:
- Vibrant Connections
- Inclusive Excellence
- Bold Compassion
- Endless Empowerment
- To provide friendly, professional and accurate service and support to all members and coworkers.
- To originate new commercial loan volume as established by credit union goals.
- To prepare loan request narrative within 3 days of receipt of all documents/loan information.
- To return all calls within 2 hours of receipt.
- To cross sell credit union products and services.
- To maintain working knowledge of all business products and rates, both within the credit union and from the industry overall.
- To follow the credit union’s Bank Secrecy Act and anti-money laundering policies and procedures, including running OFAC searches, completing investigative reports of suspicious activity and currency transaction reports timely and without error.
- To maintain a professional work environment, promote teamwork, build respect among coworkers and present a businesslike appearance.
- To follow all security policies and procedures and report discrepancies or suspicious activity to manager immediately.
Experience Three years to five years of similar or related experience.
Education (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
Interpersonal Skills Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas
or services to others.
Physical Requirements
Other Skills Must have excellent organizational and communication skills.
WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. While performing the essential duties of this position, the employee is regularly exposed to a general office environment and interaction with customers.
PHYSICAL DEMANDS
The physical demands described here are representative of those required to successfully perform the essential functions of this position, but do not necessarily constitute an exhaustive list of all essential functions. To the extent required by any applicable law, reasonable accommodations will be made to enable qualified individuals with disabilities to perform essential functions where this can be done without posing a direct threat to self or others.
While performing the essential duties of this position, the employee frequently must sit, stand, and walk short distances. The employee frequently uses hands and fingers to count currency and handle, manipulate, and feel objects, documents, and office tools and equipment. Reads, writes, listens, speaks, and uses personal computers, copiers, telephones, and other office equipment and software throughout the work day. The employee is occasionally required to stoop, bend, squat, and reach overhead with hands and arms. Occasionally pushing and pulling of office furniture and other objects. The employee may occasionally lift and/or move up to 15 pounds and on occasion lift and/or move up to 25 pounds.
Park Community Credit Union is an Equal Opportunity Employer/ Veterans/ Disabled