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FEED

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This role directly drives revenue growth by building strong relationships with bank customers, building and maintaining the bank’s loan portfolio, and providing financial services to clients. The Commercial Loan Officer position specializes in providing loans and other banking products to clients across multiple areas, such as business banking, agriculture, and commercial real estate.

Who we areWe are a family-owned bank committed to providing exceptional service and innovative banking solutions while making a difference in the communities we serve.  We take great pride in the relationships we built and the lives we impact.   We offer the strength of a big bank combined with local decision-making and hometown involvement, setting our community bank apart from the rest. Our missionOur mission is to support the financial goals of individuals and businesses in the communities we call home by offering every person a better banking experience.Our values<ul><li>Passion: We have an unrelenting drive to be great.  Quality service is our #1 priority.</li><li>Commitment: We do not shy away from accountability.  We together as a team and embrace the spirit of service.</li><li>Leadership: We are competitive leaders in our markets and a go-to source for finance and lending.</li><li>Community: We’re proud to support each other and our local communities.  We win when our customers win.</li></ul>To learn more about us, visit <a href="http://www.firstnationalbanks.bank" rel="noopener nofollow noreferrer" target="_blank">www.firstnationalbanks.bank</a>.About the roleThe Commercial Loan Officer position specializes in providing loans and other banking products to clients across multiple areas, such as business banking, agriculture, and commercial real estate. This role directly drives revenue growth by building strong relationships with bank customers, building and maintaining the bank’s loan portfolio, and providing financial services to clients.This position is located in Truth or Consequences, NM. It is not a remote position.What you will do<ul><li>Develops loan and deposit relationships with current and prospective bank customers.</li><li>Evaluates client/applicant’s credit and financial status to determine appropriate lending decisions based on company risk-tolerance levels.</li><li>Structures loans within loan policy guidelines for presentation and approval by loan committee.</li><li>Determines value or status of collateral as necessary during the loan application process.</li><li>Maintains a strong knowledge of bank products and identifies opportunities to recommend products and services to customers.</li><li>Executes sales strategies to grow commercial lending revenue and bank deposits.</li><li>Manages existing loan portfolio and reviews financials including tax returns to ensure loan complies with covenants and policy.</li><li>Builds relationships with key members of the community, building a network to grow commercial lending revenue and deposit growth.</li><li>Represents the bank at local community and professional organization events.</li><li>Maintains a strong understanding of internal bank policies and banking regulations.</li><li>Other Duties as assigned.</li></ul>What you will need<ul><li>Bachelor’s degree in accounting, finance or related field required.</li><li>2+ years of commercial or agricultural related lending preferred.</li><li>Strong communication skills.</li></ul>What we offer<ul><li>Health Insurance</li><li>Dental Insurance</li><li>Vision Insurance</li><li>Paid Vacation, Sick, and Holiday time</li><li>A competitive 6% 401k match</li><li>And more!</li></ul>Candidate must pass a pre-employment screening including credit history and criminal record check.Our company provides equal employment opportunities (EEO) to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

First Savings_Beresford

Commercial Loan Officer

Accounting

Agriculture

Banking Regulations

Banking Services

Business Banking

Commercial Loans

Commercial Real Estate

Communication Skills

Community Banking

Customer Relations

Customer Support/Service

Finance

Financial Services

Leadership

Loan Approval

Loan Policy

Loan Portfolio

Loan Review

Loan Structuring

Loans

Revenue Growth

Risk

Sales Prospecting

Sales Strategy

Tax Returns

Reporting directly to the Vice President Commercial Lending, the Commercial Loan Analyst is responsible for providing competent credit analysis for activities such as loan origination, preparing annual term loan reviews, underwriting new loan requests, preparing loan presentations, assisting in the administration of business loans, conducting appraisal reviews, and assisting with special projects or assignments. Each team member is expected to embody our core values of Service, Sustainability, Efficiency, Trust, Stewardship, and Growth, contributing to our vision of empowering lifelong achievement through better banking.

Location: Northeast, Albuquerque, NMSchedule of Work: (not a remote or hybrid position)<ul><li>Monday to Friday: 8:30 AM to 5:30 PM
Please note that this schedule is subject to change as needed.</li></ul>As a valued full-time team member, youll enjoy fantastic benefits that promote your health and well-being:Comprehensive Medical, Dental, and Vision InsurancePaid Short-Term Disability, Life Insurance, and AD&DHoliday Pay, Vacation, Birthday, Floating Holiday & Sick LeaveTuition Reimbursement for Professional Development401(k) Plan with Employer MatchPension Plan for Long-term SecurityExciting Opportunities for Career Advancement Overall Job PurposeAt Sandia Area, every position plays a vital role in fulfilling our mission to deliver high-value banking and lending services that strengthen the financial well-being of our members and community. Each team member is expected to embody our core values of Service, Sustainability, Efficiency, Trust, Stewardship, and Growth, contributing to our vision of empowering lifelong achievement through better banking. While specific responsibilities vary by role, every position carries universal expectations aligned with its level of responsibility and authority across the organization.As a Commercial Loan Analyst at Sandia Area, you are responsible for delivering excellent service while maintaining personal accountability in your actions and behaviors. By prioritizing member satisfaction and operational efficiency, you directly contribute to the organization's mission of strengthening financial well-being for our members and community. You are entrusted to uphold our values in every interaction, ensuring trust, accuracy, and a focus on service excellence.Reporting directly to the Vice President Commercial Lending, the Commercial Loan Analyst is responsible for providing competent credit analysis for activities such as loan origination, preparing annual term loan reviews, underwriting new loan requests, preparing loan presentations, assisting in the administration of business loans, conducting appraisal reviews, and assisting with special projects or assignments. Duties and ResponsibilitiesDepartment Operational Support• Processes small business credit applications; verifies credit references and information and prepares loan presentations for approval by the Loan Executive Committee.
• Prepares reports for various purposes, including the monthly board packet, for the Loan Executive Committee, etc.
• Completes a thorough, in-depth analysis of new small business credit requests, credit requests, renewals and annual relationship reviews. May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interviews, and other means.
• Prepares spreadsheets, loan approval request forms, term loan reviews and summarizes opinions on new, renewing and existing loans.
• Orders, reviews and documents any concerns with reports required in the loan process including, but not limited to, title commitments, appraisals, environmental reports, purchase agreements and legal opinion letters. Reports findings and concerns to the VP Commercial Lending or above.
• Monitors loan repayment activities and provides information about delinquent loans to the appropriate loan officer.
• Reviews and assures all credit and loan files are accurately maintained and up-to-date.
• Handles member complaints and takes appropriate action to resolve them. Compliance & Policy Adherence• Assists the VP Commercial Lending Services with providing regulators and auditors with requested information needed to assess compliance with loan audits, reviews and policy and procedures.
• Performs property inspection and risk rating analysis as part of the annual term loan review process. Recommends risk rating changes when analysis merits.
• Reviews loan agreements to ensure they are complete and accurate according to policy.
• Stays abreast of new types of loans and other financial services and products to better meet member needs. Expectations of All Sandia Area EmployeesDemonstrate a strong commitment to upholding the organization's mission, vision, and values in all interactions and responsibilities.Represent the credit union with professionalism, integrity, and ethical conduct at all times.Maintain a thorough understanding and strict adherence to credit union regulations, compliance requirements, policies, procedures, and operational guidelines.Consistently meet deadlines as assigned while ensuring accuracy, efficiency, and adherence to quality standards.Foster a positive and supportive environment for both members and employees, ensuring interactions align with the credit union's mission and service philosophy.Adhere to all regulatory and compliance policies, upholding the highest standards of security, confidentiality, and ethical financial practices in all interactions.Maintain the confidentiality and security of information, records, and sensitive data, in compliance with credit union policies and regulatory requirements.Adapt to evolving responsibilities, taking on additional duties as assigned to support the success of the organization.Demonstrate a commitment to continuous learning, professional development, and staying informed on industry trends and best practices.Willing to undergo background and credit checks as required by federal and state regulations.Understand and comply with all policies, procedures, and legal guidelines, including adherence to the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), and other applicable financial regulations. Knowledge, Skills, and Abilities (KSAs)Expertise in math, finance, and computer applications with a requisite understanding of financial institution operations.Highly developed analytical and underwriting expertise, credit quality focus.Excellent oral and written communication.Well-developed interpersonal skills, to include strong active listening and selling skills.Mature business judgment and decision-making.Ability to use critical thinking skills to evaluate information.Must possess strong sales energy.Exceptional time management and organizational skills, with the ability to prioritize tasks, manage multiple responsibilities, and adapt to a fast-paced environment.Proactive in seeking professional growth, embracing both formal and informal development opportunities, and demonstrating adaptability to new responsibilities.Team-oriented with a strong collaborative mindset, actively supporting team members and contributing to a positive and high-performing environment.Proficient in Microsoft Office, including Outlook, Word, Excel, and PowerPoint.Ability to perform essential functions, including the ability to lift up to 10 lbs. as needed. Minimum Education and Experience RequirementsBachelors degree in related field.Directly related experience, in addition to minimum years required, may be considered as a substitution.Two (2) year(s) of applicable experience required.Minimum 2 years experience in loan production.Extensive experience evaluating various financial documents for lending purposes.Must have strong relationship management experience and skills for key commercial and small business accounts.  Please submit an employment application to www.sandia.org/careers  Sandia Area Federal Credit Union (SAFCU) is an Equal Opportunity Employer.SAFCU provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Sandia Area Federal Credit Union

COMMERCIAL LOAN ANALYST

Administrative Skills

Analysis Skills

Appraisal Review

Bank Secrecy Act

Best Practices

Business Administration

Business Analysis

Business Loans

Business Solutions

Credit Analysis

Credit Processing

Credit Reports

Credit Union

Dental Insurance

Establish Priorities

Executive Assistant Skills 

File Maintenance

Finance Software

Financial Operations

Financial Regulations

Financial Reporting

Home Inspections

Industry/Trade Analysis

Information/Data Security (InfoSec)

Interpersonal Skills

Legal

Legal Opinion

Loan Documents

Loan Origination

Loan Underwriting

Marketing/Sales Collateral

Mathematics

Microsoft Excel

Microsoft Office

Microsoft Outlook

Microsoft PowerPoint

Microsoft Word

Operational Support

Operations Guidelines

Operations Processes

Organizational Skills

Past Due Accounts

Philosophy

Presentation/Verbal Skills

Quality Metrics

Real Estate Appraisals

Reference Verification

Regulatory Compliance

Regulatory Requirements

Relationship Management

Reporting Skills

Resolve Customer Issues

Retirement Plan

Risk Analysis

Sales

Sales Management

Service Delivery

Small Business

Stewardship

Sustainability

Team Player

Time Management

Vision Plan

Writing Skills

OTHER

Requirements: Attention to detail, effective oral and written commination skills; be customer service oriented; computer literate and knowledge of Microsoft Word and Excel. Summary: Responsible for administrative functions and relationship management of commercial loan customers.

Summary: Responsible for administrative functions and relationship management of commercial loan customers. Responsibilities: Daily support of and preparation of documentation for lending staff. Tactfully communicate with bank customers, & vendors. Strong drive to achieve customer satisfaction. Requirements: Attention to detail, effective oral and written commination skills; be customer service oriented; computer literate and knowledge of Microsoft Word and Excel. Applicants who have previous experience with commercial loan documentation will be given preference.Must be able to pass a credit, background and reference check. Position may be full time or part time - dependent on candidate experience. First American Bank is an Equal Opportunity Employer and does not discriminate on the basis of any protected trait, including gender, race, ethnicity, disability, or veteran status.

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