GreenState Credit Union · 2 hours ago
Commercial Services Loan Officer 1st Vice President
Clive, IA
Full-time
Onsite
Mid Level
$108K/yr - $127K/yr
2+ years expGreenState Credit Union is dedicated to creating lasting value for its members and communities. They are seeking a 1st Vice President Commercial Services Loan Officer who will develop and distribute commercial loans, promote deposit accounts, and ensure quality service to members while maintaining confidentiality and compliance with guidelines.
BankingFinanceFinancial Services
Responsibilities
Adheres to the Credit Union's core values and Service Standards in carrying out GreenState's mission and vision
Demonstrates a positive member service (internal and external) focus at all times, greeting members and guests with a smile and eye contact immediately upon their arrival, using their name or acknowledging them, and thanking them for their business
Demonstrates teamwork in all interactions with co-workers and in the completion of all duties and responsibilities
Ensures confidentiality of member information
Cross-sells and refers all Credit Union products and services
Evaluates, encourages, cooperates and develops cooperation among staff members to ensure quality of work, effective employee relations, and a “team effort” and prompt service to members
Expands education through courses, seminars or conferences as they are offered
Ultimately responsible for assuring credit files are maintained in accordance with guidelines and insuring that all necessary documentation is in the file
Assures and prepares proper loan documentation for each transaction and is executed as required by the type of transaction
Explains the commercial loan application process and products to the membership. Conducts loan interview and analyzes loan requests and lease requests, applicant(s) financial position, credit information, and ability to repay the loan in making an informed decision to approve or deny the loan within officer limits and explains loan or lease documents to applicant(s)
Obtains, evaluates and analyzes financial information to determine the cash flow, credit worthiness of the borrower, collateral margins and debt service capacity to submit to Executive Vice President/Commercial Services
Submits initial underwriting and proposed action of commercial loans to Executive Vice President/Commercial Services and Credit Analyst for credit decisions and approval
Submits loan requests and proposed action to Executive Vice President/Commercial Services and Commercial Loan Committee for approval. Explains reasons for denial to member; counsels and explores options for members when loans are denied
Initiates business development activities in a variety of different ways. Decides who to make calls to, engage, and follow up with existing borrowers. Works to create a network of contacts and referral sources in the business community through involvement in a variety of activities
Interviews business loan applicants and negotiates terms of credit, including price and collateral requirements. Makes decisions on which credits should be submitted for approval
Obtains and analyzes current financial information on existing loans for the purpose of conducting periodic reviews to determine the ongoing credit worthiness of the borrower
Assures annual reviews or file memos are in file as required by policy for commercial credit relationships
Maintains delinquency and charge off levels within approved guidelines; responsible for collection activity of commercial accounts
Develops an understanding of the CUSO and its functions. Works collectively with the Executive Vice President/Commercial Services to assure the CUSO is operating within the guidelines set forth in policy
Actively sells all business deposit accounts and other business products and services. Underwrites, approves, or denies applicants for deposit accounts, ACH products, and Remote Deposit Capture
Participates in community events to increase the Credit Unions’ visibility and to enhance and seek new business opportunities. Plays a vital role by participating in three community service organizations and/or credit union sponsored events, on an annual basis. Seeks leadership roles in these organizations and events
Qualification
Required
Ability to coordinate and prioritize assignments and organize work efficiently
Good time management skills required to manage multiple assignments on time
Interpersonal skills to represent the Credit Union in a positive way during member contact
Excellent figure aptitude, with accuracy and attention to detail required
Knowledge of procedures, forms and regulations as they relate to commercial lending and deposit gathering
Ability to deal tactfully and efficiently with members and co-workers on a professional level
Proficiency in a wide variety of personal computer software programs, including the Microsoft Office application suite
Ability, availability and willingness to work additional hours as dictated by the workload
A strong working knowledge of local area network directories, protocol and general maintenance procedures
Strong analytical skills with excellent verbal, written and interpersonal communication skills
Self-directed nature, ability to work independent of supervision, and ability to follow directions
Maturity and discretion to handle confidential information
Must be bondable
Preferred
Four (4) year college degree preferred
Two (2) years of financial institution or equivalent work experience preferred
Benefits
Progressive benefit package
Company
GreenState Credit Union
GreenState Credit Union is a financial services company that specializes in online banking.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$100M2023-02-15Debt Financing· $100M
Leadership Team
Vikram Israni
CEO
Jenn Bleil
Chief People Officer
Recent News
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2025-11-25
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2025-11-20
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2025-10-04
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