Director Commercial Lending Origination

Job Description

JOB INFORMATION

Title:

Director Commercial Lending Origination

Officer Title:

Vice President

Grade:

33

FLSA Classification:

Exempt

Date Last Edited:

4/11/2024

Reports To:

Department:

Lending Origination

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=905

PRIMARY FUNCTION

Drive all loan volume and manage commercial loan officers. Responsible for designing and implementing a strategic sales plan that expands Hudson Valley Credit Union's member base and that ensures a strong presence.

•

Interview, hire, manage and develop a commercial lending team with an exceptional ability to execute the strategic plan and individual accountability for delivering results in achieving aggressive loan goals.

•

Development of strategic relationships with (but not limited too) realtors, title companies, insurance agents, attorneys and accountants for referrals.

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Coach and train Commercial Loan Officers to effectively prospect for new commercial relationships and to diligently ask for additional prospective referral sources.

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Research trends and developments within commercial market.  Develop cross-sell programs to promote products and services through the lending channel. Perform on-going analysis of commercial loan programs to measure competitiveness and recommend changes or modifications as necessary.  Present sales, revenue and expenses reports and realistic forecasts to Senior Management and upon request.

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Assist in achieving Credit Union commercial loan volume and loan growth goals.  Recommend new improvements and implement changes to products, pricing and promotions.  Work with Marketing to achieve these goals.  Monitor key performance measurements and prepare reports to track progress toward goals.

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Ensure adherence and compliance to all Credit Union policies, guidelines and procedures, all federal and state laws and regulations and secondary market standards.  Ensure sales staff has a solid understanding of underwriting standards for all loans and require adherence accordingly.

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Provide recommendations for departmental expenditures and adherence to annual budget.

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Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.

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Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.

•

Responsible for regular and predictable attendance including punctuality.

Bachelor’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience.

X

Valid driver’s license required

X

Minimum 5 Years

Commercial loan origination

X

Minimum 5 Years

Leadership experience

X

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Must be able to successfully manage employees and projects.

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Ability to communicate and present technical information to non-technical audiences.

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Advanced verbal, written and presentation skills.

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Must demonstrate advanced analytical, communication and interpersonal skills as well as effectively communicate with management.

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Ability to understand and apply intermediate mathematical concepts.

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Basic proficiency in Microsoft Office Software (Word, Excel, Outlook, PowerPoint, etc.)

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Must be able to learn new software products.

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Ability to multi-task and handle varying deadlines within a fast paced work environment.

PHYSICAL DEMANDS

Frequency

Physical Demand

Weight (lbs.)

Frequently

Sit for prolonged periods of time

Frequently

Required to communicate verbally

Frequently

Normal range of vision and hearing abilities required

Occasionally

Lift and/or move objects

10

Occasionally

Travel outside of work location to attend meetings and training programs

Frequently

Required to skillfully operate a computer, telephone and other standard office equipment

Frequently

Work extended hours, including evenings, weekends, and holidays as needed

WORK ENVIRONMENT

•

Typically the noise level in the work environment is moderate.

•

May experience occasional job stress in dealing with difficult situations and/or high volume.

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High energy, high impact atmosphere.

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There are no significant hazardous conditions.

View Competencies

Strategic Visioning

Takes a long-term view and builds a shared vision within the organization; acts as a catalyst for organizational change. Influences others to translate vision into action.

Level 2

1. Cultivates effective cross-boundary relationships focused on shared strategic interests.

2. Deals quickly with lack of alignment to ensure agreed upon strategy is integrated into planning process.

3. Enrolls stakeholders in communicating and coordinating activities to support the organization's vision and strategies.

4. Identifies the critical interdependencies among system elements that help and hinder performance.

5.  Influences the manner in which business decisions are made in the organization

Leadership

Leads people towards meeting the organization’s vision, mission, and goals. Provides an inclusive workplace that fosters diversity, development, teamwork and continuous improvement.

Level 3

1. Builds and manages workforce based on organizational goals and budgetary considerations. Drives ongoing workforce planning and succession to support future vision. 

2. Develops networks and builds alliances; collaborates across boundaries to build strategic relationships and achieve common goals.

3. Looks towards the broadest possible view of an issue or challenge. Discusses multiple aspects and impacts of issues and projects them into the future.

4. Nurtures growth and development; promotes organizational learning within and across business units by providing challenging and stretching tasks and sharing key experiences.

5. Projects competence and composure. Communicates with credibility. Demonstrates situational- and self-awareness.

Service Excellence

Consistently incorporates Hudson Valley's member and employee value proposition, reinforcing organizational culture and brand differentiators.

Level 3

1. Creates a sense of accountability and personal ownership for employees and self.

2. Designs strategies to inspire peers and business unit to raise the bar of customer service delivery.

3. Establishes best practices for internal and external service excellence.

4. Monitors industry for trends in enhancing member service with special attention to financial services.

5. Systematically identifies potential problems when designing systems/processes using techniques including brainstorming and cost/benefit analyses to reduce the chances of unnecessary problems.

Results Driven

Drives critical activities to completion. Meets organizational goals and customer expectations.

Level 3

1. Conducts ongoing organizational unit performance and risk analysis, recognizing strategic opportunities for success as well as potential risks. Adjusts strategies to address opportunities as well as potential risks to ensure attainment of business unit targets.

2. Evaluates organizational benefits and impacts of regulations. Creates standards and business processes to ensure regulatory compliance.

3. Leads organizational units to drive critical activities to completion. Demonstrates how units contribute to organizational results.

4. Sets operational productivity measures in terms consistent with business strategy. Defines responsibilities and processes for monitoring, communicating progress, and measuring results.

Resiliency

Adapts positively to changing environments in order to achieve business results.

Level 3

1. Encourages new ideas and innovations; designs and implements new or cutting edge programs/processes.

2. Establishes programs that result in continuous improvement through innovation and lean thinking.

3. Guides others to understand and accept change more readily. Directs team through ambiguity to ensure ongoing success.

4. Leads a continuous cycle of innovation that incorporates feedback and lean thinking to improve future initiatives.

5. Remains in touch with the evolving needs and demands of the market and looks for trends and new ideas that might affect the organization.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, with or without notice.

Nothing contained in this material creates a contract of employment between an employee and Hudson Valley Credit Union or otherwise alters the at-will nature of the employment relationship.

Are you able to perform the essential functions listed in this job description with or without reasonable accommodation?  YES_______  NO_______

By signing below you certify that you have received this job description and understand the requirements, essential functions and duties of the position.  If you are currently employed in this position, your signature acknowledge that this job description accurately describes the position, including its essential functions.

Name:  _____________________________________________

Signature: _____________________________________________

Date:  _____________________________________________ 

Please also note that Hudson Valley Credit Union respects the religious beliefs and practices of employees and will, on request, reasonably accommodate its employees when a reasonable accommodation is available that does not create an undue hardship on the Credit Union’s business.  Therefore, unavailability for work due to religious observances or practices may not be a bar to employment.