Connecting
People
Promoting
Business
Since 1927

VP of Commercial Lending

Unison Credit Union
Job Description
Vice President of Commercial Lending
Job Description
 
Job Title:         Vice President of Commercial Lending
Department:    Lending 
Location:         Kaukauna South
 
Job Summary: The primary purpose to this position is to assist the Credit Union in achieving its mission of becoming the business members’ financial partner. Under general supervision, in accordance with established policies and procedures, providing a variety of business loan and deposit services to the membership and area small businesses.  Development of Unison Credit Union’s Member Business Loan and Deposit portfolio by ensuring quality service and actively soliciting new Member Business Loans and Deposits. Ensure compliance with legal requirements, lending regulations, internal policies and procedures. Cross-sell credit union products. Work with the Marketing Department to develop effective customized marketing strategies. Maintain a working knowledge of all services and operations of the credit union. Coordinate activities with all departments in the credit union for maximum efficiency.
 
The hiring range for this position is $60,000 - $100,000 annually plus benefits.  Pay is commensurate with experience.
 
Essential Duties and Responsibilities:
  • Assume responsibility for the development and implementation of Business Lending, Business Deposit Services, policies, procedures, and planning which include but not limited to the following:
    • Develop short and long-term goals and plans for the Business Lending Portfolio. Assist with budgeting that supports the credit union’s strategic plan for the Business Loan Department.  Monitor progress on a regular basis. Provide suggestions and recommendations for the growth, development, enhancement, and profitability of the Business Loan Portfolio.
    • Assist in developing policies and procedures for Business Lending activities. Conduct periodic reviews of existing systems and procedures to ensure maximum efficiency, effectiveness and legal compliance for both federal and state regulations. Instigate improvements and promotional practices that will further the objectives of the Credit Union.
    • Work with the Marketing Department to promote Business Lending and Deposit Services.
    • Execute lending goals and ensure that the corporate-wide objectives are complemented and supported.
    • Maintain knowledge of competitors’ rates and terms and other trends relating to business lending.  Construct products, rates, and terms that reflect the marketplace.
    • Develop, analyze and monitor all reports relevant to maintaining portfolio quality and minimize risk. 
    • Develop procedures and reporting tools for effective information to flow through the department.
    • Perform audit of business loan files to ensure quality of work and quality of documentation.
  • Assume responsibility for ensuring that professional business relations exist with members, staff, vendors and trade professionals.
    • Formulate and maintain a loan procedures manual for Business Lending Department that is up-to-date with all regulations and requirements. Ensure staff training and compliance.
    • Ensure that staff and business members maintain knowledge of Business Loan and Deposit Services offerings and questions are promptly and courteously resolved.
    • Network with community leaders and organizations to further develop appropriate leads and reflect the credit union’s commitment to the markets served.
    • Ensure that staff is properly informed of the Credit Union’s business loan policies and procedures.
    • Ensure that the Credit Union’s professional reputation is maintained both internally and externally.
    • Represent the Credit Union in contacts with business and trade professionals.
    • Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities, companies and/or individuals, becomes necessary.
  • Assumes responsibility for related duties as required or assigned.
    • Ensure that work area is clean, secure, and well maintained.
    • Stay informed regarding developments and changes in the Business Lending field.
    • Assist with promotional activities and cross-sell services.
    • Complete special projects as assigned.
An individual in this position must be able to successfully perform the essential duties and responsibilities listed above.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.
 
Qualifications:
  • Professional, well developed interpersonal skills necessary for working with Credit Union members and projecting a positive image as a representative of the Credit Union.
  • Individual must have strong credit and communication skills, be a proven leader, have demonstrated sales skills and the ability to manage in a changing environment.
  • Team member is responsible for adhering to the terms of the Bank Secrecy ACT (BSA) applicable to this position, which includes but is not limited to the timely filing of Currency Transaction Report, the reporting of suspicious activity and the adherence to our Customer Identification Program. The team member is required to attend mandatory BSA training annually.
  • You are expected to comply with the Credit Union’s information security and confidentiality policies.  However, all Credit Union information, including member non-public information is considered proprietary and confidential and should not be shared with any person or organization outside of the Credit Union.
  • Entrepreneurial spirit, self-starter, resilient, and persuasive.
  • Ability to take initiative and work independently.
  • Able to build trust and influence others.
  • Committed, hard-working, self-motivated, enthusiastic, and trustworthy.
  • Effective verbal, written and phone skills (ability to communicate in a clear, concise manner).
  • Ability to write reports and correspondence to members, employees, outside vendors, and special groups.
  • Demonstrated effective presentation and sales skills (prospecting, working through objections, and closing the deal).
  • Ability to perform basic math skills and to use decimals to compute ratios and percent, and to draw and interpret graphs.
  • Ability to make sound and timely decisions.
  • Strong time management and organizational skills.
  • Willing and able to learn/apply new skills and knowledge.
  • Committed to excellence in all job-related activities.
  • Committed to providing exceptional service to all internal and external members.
  • Function in a high-volume environment and within time constraints to meet deadlines. Committed to supporting the Credit Union’s mission, values and vision.
  • Adaptable to change.
  • Good computer skills including experience with the Internet, MS Outlook, Word and Excel.
  • Must be bondable
  • Have a valid Driver’s License
 Education and Experience:
  • Minimum of 3 years of Business Lending experience is required.
  • Bachelor’s Degree in Business Administration, Finance or related field is preferred.
  • Knowledge and managing experience in business lending, with at least 3 – 6 years of experience, including but not limited to origination, processing and compliance is required and growing a portfolio of Business Lending
Position Type/Expected Hours of Work:
  • Full time employment is approximately 40 hours/week
  • Perform additional duties as assigned.
  • Abides by all policies, procedures, and protocols set forth in the departmental, Unison Credit Union Employee, operational and administrative policy manuals.
 Schedule: 
  • Monday – Friday – Typically 8:30 a.m. to 5:00 p.m.
  • Additional evening and weekend hours as necessary to accomplish objectives, goals and projects.
 
Benefits:
  • Health, Dental and Vision Insurance
  • Life Insurance and Short & Long-Term Disability
  • Voluntary Life and Dependent Life Insurance
  • Retirement Plan – Generous Profit Sharing along with 401(k) and Roth options.
  • PTO/Vacation/Holiday Pay
  • Employee Assistance Program
Physical and Mental Demands:
While performing the duties of this position, the employee is regularly required to sit; talk and hear; to reach with hands and arms; use hands to finger, handle, or feel objects, tools, or controls; use a keyboard. The employee is occasionally required to stand; walk; stoop, kneel, crouch or crawl to move about to accomplish tasks. Prolonged standing throughout the workday at times. The employee must occasionally lift and/or move up to 30 lbs. Specific vision abilities required by this job include close, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus. The mental and physical requirements described here are representative of those that must be met by an individual to successfully perform the essential functions of this position.
 
Working Environment:
Work is performed in an indoor office environment. The noise level in the work environment is usually moderate but sometimes very noisy. There may be occasions when the work environment is stressful. The work characteristics described here are representative of those an individual might encounter while performing the essential functions of this position. Occasional travel required for prospecting, attendance to meetings, events and/or training. 
 
*Disclaimer:
The above information on this job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.  Unison Credit Union retains the discretion to add duties or change the duties of this position at any time.

 
Equal Opportunity Employer 
If you are qualified and would like to apply, please complete an on-line application at www.unisoncu.org/careers or submit your resume to:
 
Human Resources
Unison Credit Union
P.O. Box 260
Kaukauna, WI 54130
Email: 
 humanresources@unisoncu.org
Contact Information

Upcoming Events
  • Jun 24 : Grand Opening/Ribbon Cutting: High Cliff Banquet Event Center [details...]
Full Calendar