Commercial Loan Officer 2

Position Title: Commercial Loan Officer 2

Position Summary:

The Commercial Loan Officer 2 plays a key role in originating and managing commercial loans, including commercial real estate, equipment financing, and commercial & industrial (C&I) lending. This position is responsible for evaluating loan applicants through financial analysis, industry and market research, assessing management capabilities, and collateral reviews to prepare comprehensive loan transmittals for underwriting. The Commercial Loan Officer 2 collaborates with members, internal departments (such as credit administration, quality control, and compliance), external vendors, and strategic partners to meet departmental objectives. This role works closely with the VP of Commercial Lending to align with organizational goals and execute strategies that expand the commercial loan portfolio.

Essential Duties and Responsibilities:

• Originates and closes commercial loan opportunities, including real estate, equipment, C&I, and working capital loans in coordination with other team members

• Meet loan production goals, maintain compliance, and deliver exceptional member service.

• Ensures the soundness and profitability of commercial loan products, deposit services, and ancillary offerings, while actively participating in ensuring the soundness of the existing loan portfolio (loan renewals, modification requests, exception gathering)

• Build and maintain relationships with local businesses, community leaders, and referral sources to grow the commercial portfolio.

• Conducts and analyze loan feasibility, support marketing strategies, and align lending efforts with the credit union's mission.

• Monitor loan performance, identify risk trends, and ensure timely follow-up on delinquencies or covenant breaches.

• Partners with underwriting and credit teams to ensure sound loan structuring and risk assessment to support small to mid-size commercial loan requests.

• Ensures all lending activities comply with NCUA regulations, internal policies, and fair lending standards

• Works closely with operations, marketing, and member services to deliver integrated financial solutions

• Represents the credit union at networking events, trade associations, and community initiatives to promote brand visibility

• Monitors and stays current on regulatory guidance from the NCUA, TCUD, and Small Business Administration (SBA).

Minimum Qualifications:

• At least 3 years of related experience in commercial lending and sales required. Preferably at a commercial bank, credit union, or other financial institution

• Proven track record in loan sales, credit analysis, and portfolio growth

Education:

• An Associate's degree in business, finance, management, or an equivalent mix of education and experience is required.
• Formal credit training is a plus.
• Familiarity with SBA Lending, NCUA regulations, and credit union lending policies is a plus.

Knowledge, Skills, and Abilities:

• Strong understanding of commercial loan products, loan structuring, and risk management.

• Strong analytical skills with the ability to analyze tax returns, including corporate, partnerships, and S corporations.
• Effective leadership and negotiation skills with the ability to adapt to change within working responsibilities, be it internal, market, or regulatory driven.

• Ability to communicate effectively in writing, using proper grammar and spelling while conveying thoughts and ideas in a clear and concise manner
• Demonstrated success in building and managing individual and organizational relationships, and strong interpersonal and communication skills, both written and verbal.
• Demonstrated experience in preparing and negotiating loan transactions.

Physical Demands and Work Environment:

(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and/or may be encountered while performing essential functions. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.)

• While performing the essential duties of this position, an employee would frequently be required to stand, walk, and sit.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.
• Our company offers a dynamic hybrid work arrangement that requires three days of on-site work in the Sugar Land, TX office.

Disclaimer:

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin, or other status protected by federal, state or local law. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.