Jolt Credit Union
  • 23-Jan-2023 to 11-Feb-2023 (EST)
  • Business Lending
  • Saginaw, MI, USA
  • Full Time

Jolt Credit Union is seeking a Business Relationship Officer for our State Street Branch in Saginaw. Are you passionate about soliciting, sourcing, originating, and documenting a variety of commercial loans? Are you happy to represent Jolt through active participation in community events? If you're ready to give it all you've got, every day and everywhere, it's time you join the Jolt Credit Union Team!

At Jolt, we're member focused and community active. Energetic, motivated, empathetic, and community service-oriented people will be the best equipped to join our vibrant organization. We truly believe that each employee makes a significant contribution to our success. If you enjoy working in a fast-paced environment, have a craving to help others and are committed to promoting camaraderie in a team atmosphere, we enthusiastically invite you to join the Jolt Credit Union family.

About this position:

Financial institution operations experience required; commercial lending and/or SBA experience, formal credit training and/or accounting background preferred.

The Business Relations Officer is primarily responsible for the following:

  • Deliver service to both coworkers and members that is in alignment with the credit union's Service Promise: Giving it all we've got, every day and everywhere.
  • Meet all sales goals as established.
  • Meet all member service goals as measured by Member and Mystery Shops, including any internal service measurement tools.
  • Demonstrate enthusiastic support of corporate mission, core values and long-term objectives.
  • Recommend necessary training programs.
  • Advise staff of policies and procedures verbally, in writing, or through job training.
  • Gather information and make decisions/take action deemed necessary based on problems, inquiries, or requests (member or staff) received.
  • Responsible to uphold the principle of privileged communication.
  • Plan, prioritize, and delegate workflow; responsible to notify COO where work is not completed.
  • Source and develop new commercial loan requests for new & existing members.
  • Meet with applicants to obtain information for loan applications and to answer questions about the process.
  • Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Explain to members the different types of loans and credit options that are available, as well as the terms of those services.
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Review and update credit and loan files.
  • Submit applications to loan committee for verification and recommendation. Approves certain loans up to granted authority limit.
  • Forwards loan files and works with third party (Commercial Alliance) for underwriting and quality control.
  • Handle member complaints and take appropriate action to resolve them.
  • Work with members to identify their financial goals and to find ways of reaching those goals.
  • Develops and implements all loan types in Episys to ensure proper boarding, reporting and system calculations.
  • Responsible for the implementation of internal controls.
  • Market Credit Union products to individuals and firms, promoting Credit Union services that may meet member's needs.
  • Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
  • Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.

A successful Business Relations Officer will also possess the following skills and abilities:

  • Bachelor's degree in Finance, Business, or related field or equivalent experience.
  • Three to five years financial institution operations experience.
  • Commercial lending and/or SBA experience strongly preferred.
  • Formal credit training and/or Accounting background preferred.
  • Ability to read and interpret documents related to the lending process - procedures, regulations, legal, and financial documents.
  • Strong knowledge of lending products as well as credit union specific products and services.
  • Microsoft Outlook or similar email/calendar program and Microsoft Office suite knowledge.

We offer:

  • 4 competitive medical plan options
  • Dental and vision insurance
  • 401k with matching
  • Flexible Spending Account(s)
  • Employee Wellness Program with quarterly bonus incentives
  • Life insurance and AD&D options
  • Short and Long-Term Disability
  • Employee Assistance Programs
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