Responsible for working with members and potential members to
identify business needs in all sectors of the credit union market
within their assigned branches/market. This role is responsible for
all credit union business members and potential members with emphasis
on business lending & SBA lending programs. Additionally, they
provide support, direction, credit information, and loan policies and
procedures to ensure the overall quality and commitment to servicing
our members and borrowers. Must participate in training annually, or
as required for BSA and the Privacy Act.
Supports and exemplifies the stated values and behaviors of
Achieva Credit Union's Vision, Mission and Code of Ethics.
Accomplishes tasks by considering all areas involved, no matter
how small; shows concern for all aspects of the job; accurately
checks processes and tasks; and follows through to meet
expectations of all members, and potential members, you serve.
Performs all functions in accordance with all applicable laws and
regulations, including but not limited the NCUA Regulations,
Credit Policies, Policies & Procedures, and the SBA SOP.
Acquires general knowledge of Credit Union Business & SBA
loan products and services in order to act as an ambassador of
Achieva's Business Lending (including Small Business Loans/LOCs,
Business Credit Cards, Business Lending & SBA Lending).
Ensures confidential, sensitive information and data of all
potential members, the credit union, its members, potential
members, and its employees is secured and disposed of in
accordance with credit union policy guidelines established by each
Originates sufficient volume of quality Business Loans to meet
established goals and objectives.
Discuss each loan request with the Business Lending Manager to
determine viability of loan request; Interview applicants and
requests specified information for loan application; requests
credit reports, establishes eligibility, and other information
pertinent to evaluation of loan application; gathers as much
information about the loan request and determines whether to
submit to underwriter to proceed with the application and approval
process; and corresponds with or interviews applicant or creditors
to resolve questions regarding application information. Performs
site visits and provides photos of collateral, if any.
Assists Underwriter & Closing Specialist in collection of
documents to complete the application & closing process.
Determines which documentation is required in accordance with
both loan size and collateral. Responds accurately to
member's/applicant's questions regarding the necessity of required documentation.
Forward all documents to Business Lending Admin & Closing
Specialist, to be uploaded to the Business Lending P Drive for
review by the underwriter.
Develops on-going relationship with member
Provides extensive Branch training of Business Lending Products
Works with branch team to promote Business Lending.
Provides branches with business member documentation to assist
with opening the new Business Checking/Savings accounts
Attend Networking/Chamber events, identify referral sources
(COI's) within market; prepare tracking system for follow up calls
Contacts prospective members when instructed by the branch team
to discuss business lending products/business loan programs.
Maintains communication with members/applicants throughout process.
Updates CRM for all branch referrals to Business Lending in CRM’s market
Proactively welcoming each new business member to Achieva Credit
Union, provide information on all Business Lending Programs.
Contact on a regular basis to identify areas or matters where
Achieva Credit Union can assist the member, especially by
surfacing member financial needs that may be fulfilled by our
providing additional credit union products/services;
Assists members with inquiries and information requests, and
resolves complaints relating to loan products and services offered.
Establish and maintain positive working relationships with our
members and our vendors (Merchant Services, Financial Services) to
provide information. Coordinates and participates in department
projects as directed by senior management.
Supports ACU growth objectives by developing, presenting,
negotiating and arranging significant member business lending opportunities.
Receives general supervision from Business Lending Manager, SBA
Manager and Chief Lending Officer, and follows detailed
departmental and governmental guidelines and procedures.
Extended hours may be required to accomplish organizational
priorities and goals.