AmFirst · 1 day ago
Commercial Lender
Birmingham, Alabama, United States
Full-time
Onsite
Senior Level
5+ years expAmFirst is a credit union seeking a Commercial Lender to analyze financial statements and manage a client portfolio. The role involves assessing loan applications, cross-selling products, and participating in community functions to promote the credit union.
BankingFinanceFinancial Services
Responsibilities
Analyzes corporate and personal financial statements and tax returns of borrowers and guarantors to determine their qualifications in terms of personal financial strength, credit history, liquidity, cash flow, and debt coverage in accordance with the loan request or renewal under current interest rate, terms and conditions. Will examine, evaluate, and authorize or recommend approval of member applications for extension of lines of credit, commercial loans and owner-occupied commercial real estate loans that are generally between $200,000 and $1,500,000 and for companies within the credit union’s service area. Seek larger opportunities for participation lending
Call and manage client portfolio to identify growth potential through cross-selling of treasury and other credit union products. Make product and services presentations; prepare documentation relating to treasury management services and coordinate the implementation of new products and services within the department or third-party service provider
Assist with all commercial lending needs, including taking the applications, performing the initial credit analysis to determine if members' credit requests satisfy policies and procedure guidelines and processing all documentation. Order and evaluate all third-party reports, including appraisals, environmental reports, surveys, and title binders, to substantiate collateral values, title and lien position, and other related underwriting considerations. Review all completed and signed loan documents for thoroughness, accuracy, and adherence to existing credit union policy and procedures and all regulatory requirements
Participate in various community functions and projects to promote the credit union and further develop new business opportunities. Actively involved with local chamber and business-related groups. Seek opportunities at leadership or committee-level positions with chambers, business groups, and/or non-profits within the region
Assists members with issues or questions concerning their accounts, explaining service charges, statement problems, product features, etc. Recognizes opportunities to offer members additional products and services to meet their needs. Performing loan administrative duties, clearing exceptions, and monitoring portfolio of business loans
Performs other job-related duties required or assigned
Qualification
Required
Five to seven years of similar or related commercial lending experience
Equivalent to a college degree (BS or BA in relevant field) and/or completion of a specialized certification or licensing, and/or completion of specialized training courses related directly to job functionality
Proficiency in Word and Excel is required
Must have experience reviewing various business entity documents, including business and personal tax returns and financial statements, rent rolls, articles of organization, by-laws, and related documents
Successful track record of goal attainment as an individual producer and through leading others, either formally or informally
Proven history in customer development and retention
Must have strong critical thinking and problem-solving skills to meet member needs
Must be able to navigate multiple computer systems and applications and utilize search tools to find information needs
Must have strong analytical and organizational skills to conduct analysis and monitor loan progress in consideration of market trends, audits, interest rates, and economic conditions
Preferred
Proficiency in other business lending-related software products such as Ncino, LaserPro and Sageworks is a plus
Company
AmFirst
AmFirst is a full-service financial institution with over $2 billion in assets and 21 branch locations across the Birmingham-Metro and Mobile, Alabama areas.
201-500 employees
Funding
Current Stage
Growth StageRecent News
Seattle TechFlash
2025-05-02
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