Commercial Loan Officer I

Job Summary:

The Commercial Loan Officer I supports Highmark Credit Union’s mission:

“To educate and inspire our Highmark family so that all can achieve success.”

This position fulfills that mission by providing exceptional service to internal and external members, identifying their needs, and recommending Credit Union products and services that can improve their financial well-being.

The Commercial Loan Officer I assists with the analysis, processing, and servicing of commercial loan requests. This includes evaluating the financial condition of individuals and businesses, conducting less complex loan renewals and new loan analyses, and preparing recommendations for review and approval by senior lending staff or the Loan Review Committee.

Essential Functions:

Loan Analysis & Processing

• Manage assigned commercial loan applications and prospective member relationships involving less complex loan screening and analysis.
• Conduct comprehensive business and organizational financial analyses to assess capacity, cash flow, collateral, and repayment ability.
• Analyze market trends, industry conditions, and economic data to evaluate lending risks and opportunities.
• Prepare and present credit recommendations and supporting documentation for review by the Commercial Loan Officer II, AVP of Commercial Lending, or the Loan Review Committee.
• Assist with the monitoring and maintenance of existing loan relationships, including annual reviews and portfolio follow-ups.

Member Relationship Development

• Support the development and maintenance of commercial member relationships in coordination with senior loan officers.
• Identify potential commercial lending opportunities and promote Credit Union products and services that meet member needs.
• Gain a strong understanding of each business member’s operations, goals, and financial structure to provide tailored lending solutions.
• Help establish and maintain effective communication channels with members to ensure high levels of satisfaction and service continuity.

Collaboration & Department Support

• Work collaboratively with other lending, credit, and operations staff to ensure timely and accurate completion of loan transactions.
• Assist in developing and enhancing internal processes to improve departmental efficiency and service quality.
• Contribute to a positive, team-oriented culture within the commercial lending department.
• Stay informed on Credit Union policies, procedures, and compliance requirements.
• Perform other duties as needed to advance the mission, vision, and values of Highmark Credit Union.

Professional Behavior:

· Effectively plan, organize workload, and schedule time to meet the demands of the position.

· Fulfills service promises to all people.

· Work in a cooperative and professional manner with Highmark CU staff.

· Treat all Highmark CU members and potential members with dignity and respect at all times.

· Exemplify excellent customer service with all members, potential members and staff.

· Consistently demonstrate respect for and acceptance of differing capabilities, cultures, gender, age, sexual orientation, and/or personalities.

· Relate well and work collaboratively with coworkers and all levels of staff in a professional manner.

· Maintain and ensure organizational privacy and confidentiality.

· Be self-directed and take proactive initiative to assist others.

· Embrace modes of appearance and attire that reflect a professional presence.

Physical Demands/Work Environment:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This position is sedentary with some standing and walking required. Employee must be able to talk and hear and must be able to life up to 10 pounds.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.