AVP of Spokane Commercial Lending

Job Details

Level: Management

Job Location: Spokane Loan Center - Spokane, WA 99201

Position Type: Full Time - Salary

Education Level: 4 Year Degree

Salary Range: $157,373.36 - $262,288.94 Salary

Job Category: Executive

Take a leap and join our team! At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Role Summary

Under the direction of the VP of Commercial Banking Eastern Region, the AVP of Spokane Commercial Lending is responsible for directing, managing, and coordinating the commercial loan, business deposit, and cash management functions of their respective team. The AVP will participate in the Gesa Leadership team and provide input on the strategic initiatives of the organization. They will coordinate the business development activities of their team and manage commercial loan relationships. The role will manage a group of lenders, small business development officers, and other staff designated to grow a profitable commercial loan portfolio that is consistent with established policies, guidelines, and procedures. They make commercial loan and cash management exposure decisions according to the MBL Policies and underwriting guidelines. They will be responsible for controlling commercial loan delinquencies and charge-offs and assist in portfolio management to ensure safety and soundness. Ensures the enhancement of commercial loan relationships by cross-selling business deposits and cash management products and services. Projects professional image, exercises independent judgment, and maintains confidentiality with all members and sensitive data.

What You Will Be Doing

• Maintain a highly qualified staff, sufficient to meet the daily demands of the Credit Union's members
• Interview, select, train, evaluate, supervise, schedule, coach and develop team members as needed to provide responsive and professional service to our membership. Note observations of employee performance into appropriate reporting tools, as well as giving and receiving feedback from team members on quarterly basis
• Complete performance reviews within the prescribed period
• Ensure that the team provides friendly, professional, personal service to all members
• Assist the VP in managing the commercial services operations and administering the credit union lending policies and procedures
• Prepare credit requests for submission to Loan Committee and approved credit submissions when appropriate
• Identify and monitor all MBL loans and provide senior management with regular detailed reports
• Establish production goals and provide productions reports to management
• Attend credit union training, conferences and seminars, or professional organization events for continued professional growth
• Maintain awareness of laws, rules, regulations, policies, and procedures which impact position duties and responsibilities and ensure team maintains awareness
• Maintain thorough and up-to-date knowledge of the MBLs and other investor requirements; recommend changes as necessary to the credit union policy manual
• Provide recommendations for management of changes to products, loan policies, and procedures by following lending laws and regulations
• Oversee financial transactions, such as drawings, advances, disbursements made by Commercial Loan Servicing
• Responsible for the business development of commercial loan relationships
• Maintain written, telephone and personal contacts
• Develop and maintain up-to-date knowledge of the credit union lending policies and market areas
• Maintain historical pricing information, including all indices
• Provide basic financial counseling when needed or requested by members
• Participate in community activities and business development including, but not limited to, Chamber of Commerce, Board of Realtors and Homebuilders (activities that are industry related.)
• Maintain effective communication with all credit union team members to ensure coordination and exchange of information for accomplishing Credit Union goals
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge
• Display leadership values such as mutual respect, trust and dignity, and act in the best interest of the credit union. Lead by example by displaying solid ethics and integrity at all times
• Control risk and operate in a safe and sound manner
• Contribute to effective department and credit union operations by performing, special projects and other related duties as assigned
• Provide recommendations and process improvements regarding commercial loan activity and processes

About You

• Ability to multi-task on numerous projects simultaneously
• Ability to communicate effectively and successfully, both orally and in writing
• Ability to make quality decisions in a timely manner with extreme attention to detail
• Ability to perform required work under limited supervision
• Ability to supervise, train and motivate staff
• Ability to formulate, implement and administer policies and procedures relating to Member Business loans

Leadership Core Competencies

• Leading Others
• Developing Others
• Emotional Intelligence
• Social Responsibility
• Performance & Results Orientation

Qualifications

• Eight (8) to ten (10) years of commercial lending or commercial leadership experience required
• Minimum three (3) years managerial/supervisory position within a financial organization desired, preferred
• Bachelor’s degree or equivalent combination of specialized courses in business related training or experience would be accepted in lieu of a degree
• Five (5) years of experience underwriting commercial loans including commercial real estate loans, agriculture, commercial and industry, and SBA preferred
• Eight (8) to ten (10) years professional sales ability required; experience relating to commercial loan products desired
• Experience analyzing local and national economic data to assist setting marketing and pricing strategies
• Familiarity with SBA loan programs and underwriting requirements
• Proficiency with standard office equipment, Excel, MS Word, Outlook, computer software, lending software, and department specific programs

Our Team Member Value Proposition

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

Full Salary Range

$157,373.36-$262,288.94 *While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at or to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.

Equal Employment Opportunity (gesa.com)