We are seeking candidates with an already established book of business within our field of membership, which includes Orange, Ulster, and Dutchess Counties in NY and Pike Counties in PA.

You'll be responsible for goal achievement aligned to the Commercial Lending Department's annual plan while complying with operating policies and procedures established for the credit analysis and approval process. Additionally, you'll be following-up and responding to referrals and requests adhering to our SLAs and supporting our Retail Banking teams with business development efforts.

Here's a little about us:

Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed. Our values are at the heart of everything we do. We believe in:

• Integrity: We are honest and trustworthy in all of our dealings with our members, employees, and the community.
• Excellence: We strive to provide our members with the best possible service.
• Teamwork: We believe that we can achieve more together than we can alone.
• Respect: We treat each other with dignity and respect.
• Community: We are committed to giving back to the communities we serve.

If you are looking for a challenging and rewarding career in the financial services industry with a company that is committed to its Mission, Vision and Values, we encourage you to apply and see below for more about the position. We offer a competitive salary and comprehensive employee benefits package, company 401(k) match and generous Paid Time Off.

Salary Range: $130,000 - $160,000 annually, based on experience

Essential Functions and Responsibilities:

1. Adhere to HFCU's Vision, Mission and Values in all interactions with members, both internal and external. Provide exceptional member experience, deliver service with impact service and always execute with integrity throughout all aspects of the commercial loan process.
2. Develop, originate, manage and underwrite C & I loans and commercial real estate loans which meet established lending requirements and provide maximum profitability to the credit union with minimum risk.
3. Establish and negotiate the terms under which credit will be extended including loan pricing, structure, repayment terms and collateral requirements that are consistent with the credit union’s policies and financial goals.
4. Approve and decline loans within lending authority. Provide recommendations for loans above lending authority.
5. Manage and maintain monthly tickler reports and accurately complete monthly, quarterly, and year-end reporting. Work with      members and department staff to ensure the timely collection of required documentation and/or financials.
6. Review, recommend, and implement commercial lending policies and procedures to support and meet Credit Union objectives.      Maintain a thorough understanding of HFCU’s Commercial Lending Policies and ensure loan requests follow all compliance standards of the department.
7. Assist in the supervision, performance monitoring, development, and evaluations of the commercial credit analyst.
8. Work closely with retail team and Business Development Manager to strengthen referral activity, enhance client experience, and mentor team members on business development, relationship management, and basic lending concepts.
9. Attend department and Credit Union meetings, present summary information and participate in discussions on the loans      being considered.
10. Periodically visit Borrowers, perform site visits, and promote good member experience.
11. Participate in business development events that are sources for business contacts or referrals. Cross sell commercial products and services. 
12. Perform tasks such as answering internal and external member inquiries, providing and receiving member commercial loan applications and requests, resolving problems, and providing a best-in-class member experience while adhering to work guidelines, policies, and regulations.
13. Perform other duties as assigned.

Experience: 5+ years of similar or related experience working in commercial lending. Experience with an established book of business in Heritage Financial Credit Union’s field of membership (Orange, Ulster, and Dutchess Counties in NY and Pike Counties in PA) with knowledge of the market and key contacts.

Education/Certification: A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree.

Knowledge: This position requires that the employee gain a working knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work. The employee will comply with all requirements of the BSA and cooperate with the designated BSA Officer in assuring compliance. Knowledge of Commercial/Business Lending, Consumer Lending, Commercial Underwriting, Loan Servicing and general economic conditions and competitor’s rates and terms, etc.

Skills/Abilities: Demonstrated commitment to maintaining an active professional presence within Heritage Financial Credit Union’s field of membership  with knowledge of the market and key contacts and engaging regularly  with businesses, community groups, and civic organizations.  Ability to develop and maintain business relationships, influence people, foster relationships, and structure sound credit solutions. Excellent verbal and written communication skills. Ability to project a professional appearance and positive attitude at all times. Excellent project management and analytical skills.

Equal Opportunity Statement

Employment at our Credit Union is based upon merit, ability, and qualifications. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status.