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Hope Credit UnionCore Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in commercial lending, including underwriting, credit analysis, and portfolio management, while effectively building and maintaining business relationships. Proficient in financial statement analysis and risk assessment to ensure compliance and profitability.
Highest-signal resume keywords
Commercial Lending ExperienceCredit AnalysisUnderwritingFinancial Statement AnalysisBusiness Development
About the role
Key responsibilities & impact- Develop, originate, underwrite, close, and manage commercial loan relationships
- Develop and maintain referral networks with business professionals, community partners, commercial real estate professionals, and co-lending partners
- Generate new commercial loan and deposit relationships through calling, networking, community involvement, and member referrals
- Cultivate existing business-member relationships and identify opportunities for additional financial products and services
- Advise business members on lending and treasury management solutions
- Analyze financial statements, tax returns, cash flow projections, collateral values, and supporting documentation
- Collaborate with credit analysts and internal partners to evaluate loan requests and develop lending recommendations
- Prepare and present commercial loan packages for approval
- Coordinate loan closings with members, legal counsel, title companies, and other third parties
- Manage an assigned commercial loan portfolio for asset quality, member satisfaction, and profitability
- Monitor financial performance, loan covenant compliance, collateral sufficiency, and credit risk
- Conduct annual relationship reviews, financial analyses, risk assessments, site visits, business inspections, and collateral reviews
- Identify problem credits and develop risk-mitigation action plans
- Ensure loans comply with internal policies, regulatory requirements, and lending guidelines
- Maintain accurate loan files and supporting documentation
- Monitor portfolio performance and delinquency trends and recommend corrective actions
- Participate in loan review and audit processes
- Promote and refer members to treasury management, deposits, business accounts, merchant services, and other financial solutions
- Collaborate with retail, mortgage, wealth management, and operations teams
- Facilitate access to external accounting, legal, engineering, marketing, and management consultants
- Achieve commercial loan production goals and support Hope Credit Union's strategic growth objectives
Requirements
What you’ll need- High School Diploma or GED, or equivalent combination of education and experience may be considered
- Minimum of 3-5 years of commercial lending or commercial banking experience
- Demonstrated experience in commercial credit analysis, underwriting, and portfolio management
- Strong understanding of commercial loan underwriting, financial statement analysis, and cash flow analysis
- Knowledge of commercial real estate, C&I lending, and business financial structures
- Ability to identify, assess, and mitigate credit risk
- Excellent business development, negotiation, and relationship-building skills
- Strong verbal and written communication skills
- Ability to manage multiple priorities and meet deadlines
- Proficiency with commercial lending systems, financial analysis software, and Microsoft Office applications
- Must be legally authorized to work in the United States at the time of application and throughout the duration of employment
- No visa sponsorship, including employment-based visa applications or extensions
Benefits
Comp & perks- Paid Vacation and Sick Time
- 11 Paid Holidays
- 401(k) with Company Match
- Medical, Dental, and Vision Benefits
- Flexible Spending Account (FSA)
- Disability Benefits
- Life Insurance
- Critical Illness Insurance
- Accident Insurance
- Employee Assistance Program (EAP)
- Tuition Reimbursement
- Professional Development
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Commercial Loan UnderwritingFinancial Statement AnalysisCash Flow AnalysisPortfolio ManagementRisk AssessmentLoan ComplianceCollateral ValuationLoan DocumentationFinancial Analysis SoftwareCommercial Lending Systems
Soft Skills
Relationship-BuildingNegotiationCommunicationTime ManagementProblem-Solving
Tools & Technologies
Microsoft Office ApplicationsFinancial Analysis SoftwareCommercial Lending Systems
Industry Keywords
Commercial BankingC&I LendingCommercial Real EstateLoan Portfolio ManagementRegulatory Compliance