Commercial Lending Officer

JOB SUMMARY

Responsible for originating, structuring, and managing commercial real estate loans for credit union members in alignment with the credit union’s mission, risk appetite, and regulatory framework. This role focuses on long-term relationship banking, prudent portfolio growth, and delivering value to members through responsible lending solutions.

Partners closely with underwriting, credit administration, and operations teams to ensure high-quality credit decisions, strong asset quality, and exceptional member service.

MINIMUM QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. 

Pay will be determined based on experience.

Education

• Bachelor’s degree in Finance, Business, Economics, Real Estate, or a related field (or equivalent experience)

Experience 1

• 3 years experience in commercial real estate lending, commercial credit, or relationship management

Experience 2

• 5 years experience in commercial real estate lending, commercial credit, or relationship management

Skills

• Strong understanding of commercial real estate underwriting, cash flow analysis, and collateral valuation.
• Familiarity with NCUA regulations and member business lending requirements.
• Excellent interpersonal, communication, and relationship management skills.
• Ability to balance business development with disciplined credit standards.
• Proficiency in Microsoft Office and commercial loan origination / credit systems.
• Commitment to cooperative values and member-focused service.
• Strong local market knowledge and community presence.
• Detail-oriented with sound judgment and ethical standards.
• Ability to manage multiple relationships and transactions concurrently.

Credit must be in good standing. Must be bondable pursuant to §713.3(b) of the NCUA’s Rules and Regulations.