Alabama Credit Union

Member-owned financial services and career growth

Commercial Loan Officer

Retail & Commercial BankingConfirmed live in the last 24 hours

Full-timeDaphne, AL, USANo salary listedIn-person

About the Job

Requirements

Three to five years of similar or related experience.
A bachelor's degree or formal certifications recognized in the industry as equivalent to a bachelor's degree.
Ability to resolve conflicts at the first level, build relationships, and solicit cooperation through frequent personal contact inside and outside the organization.
Ability to handle confidential discussions with discretion, diplomacy, and tact.
Understanding of loan products, policies, regulations, loan underwriting concepts, and lending risks.
Understanding of personal financial statements, cash flows, and financial spreads.
Knowledge of business entity types.
Working knowledge of commercial loan forms, including notes, titles, Uniform Commercial Code forms, liens, and lien perfection.
Knowledge of construction and development loans and associated processes.

Responsibilities

Process and underwrite member business loan applications and recommend approval or denial according to established loan policy.
Develop member business loans and member business accounts through outside sales.
Provide ongoing analysis of existing member business loans and recommend action as needed.

Description

To process and underwrite member business loan applications, and make recommendations for approval or denial according to established loan policy; to develop member business loans and member business accounts through outside sales; and to provide ongoing analysis of existing member business loans and to make recommendations for action as needed.

Requirements

Experience: Three years to five years of similar or related experience.

Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g. information technology certifications in lieu of a degree).

Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills:

Understanding of loan products, polices, regulations, loan underwriting concepts and lending risks are required, including understanding and working knowledge of the following:

Personal financial statements, Cash flows, financial spreads
Business entity types
Commercial loan forms including notes, titles, UCC forms, liens and lien perfection.
Knowledge of construction and development loans, and associated processes

About the Company

Alabama Credit Union

Member-owned financial services and career growth

Alabama Credit Union is a member-owned financial cooperative that offers savings and checking accounts, loans, and online banking in Alabama. It funds loans using member deposits, earning interest and fees, and returns value to members through competitive rates and lower fees. The credit union differentiates itself with a strong emphasis on employee career growth, competitive benefits, and an inclusive, collaborative culture, branding itself as Alabama’s Best Credit Union. Its goal is to help members achieve financial success while creating a growing, supportive workplace for its team.

Company size: 201-500
Company stage: Debt Financing
Total funding: $18.5M
Headquarters: Tuscaloosa, AL
Founded: 1956

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