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Commercial Lender
Job#: 494826
Positions: 1
Job Type: Full Time
Location: TN - Chattanooga Headquarters
Department: Business Services
Category: Lending
Salary: Competitive
Benefits: Full Benefits
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Job Description

  • Contacts local business entities to foster new relationships that lead to new business accounts and the origination of business/commercial loans.  Calls on prospects seeking opportunities to expand the Credit Union’s membership base.
  • Retains and expands Credit Union’s existing business accounts by calling on current business members to identify their current financial needs and successfully cross-selling appropriate deposit and loan products and services.
  • Builds relationships with members, non-members, realtors, loan brokers and other commercial sources through networking opportunities.
  • Participates in member service area Chamber of Commerce’s’ activities and other Civic functions that enhance the reputation and mission of the Credit Union.
  • Records daily interaction with potential and existing business members and networking activities and submits activity reports as requested.
  • Achieves individual production goals as established by management and helps achieve the Credit Union’s monthly and annual production goals.
  • Interviews commercial applicants to develop information concerning their business needs, desire, abilities and earnings to determine whether a loan may be an acceptable risk, based on the Credit Union’s guidelines.
  • Takes commercial loan applications and compiles loan package and facilitates the negotiation with applicant of the loan structure including fees, loan repayment options and other credit terms as defined by Credit Union’s guidelines.
  • Gathers and reviews the financial data of commercial loan applicants and underwrites commercial loan applications as needed. 
  • Approves/declines business/commercial loan request within assigned lending authority and in accordance with the Credit Unions’ lending guidelines. Recommends for approval/denial of credit request greater than assigned lending authority to the Business Loan Committee
  • Maintains current knowledge of competitors’ deposit and loan products, rates, fees and trends in their business/commercial activities.
  • Maintains and creates positive working relationship with needed service providers to include but not limited to Attorney’s, Title Companies, Correspondent Lenders, CUBG, SBA, CDC’s and others as needed.
  • Provides guidance and underwriting assistance to Business Lenders as needed.
  • Communicates and assist as needed with the Credit Union Collections department on loans that are not performing as agreed.
  • Conducts site visits as needed to assess the condition of collateral being used for new and existing commercial loans.
  • Maintains awareness of economic and local market conditions that effect segments of and the overall business environment.
  • Recommends changes to business products and services as dictated by the local market.
  • Has an in depth knowledge of current regulatory requirements and stays current with changes in the regulatory environment.
  • Ensures compliance in all Credit Union related duties.
  • Seeks knowledge of changes and developments in the Commercial Lending arena and incorporates same as appropriate in daily activities.
  • Performs all other duties and activities as assigned.

  • Minimum of Bachelor’s degree in Finance, Accounting or business related field required.  Equivalent work experience will be considered.
  • Minimum of seven (7) years of commercial lending experience required.
  • Strong relationship management and business development/sales skills.
  • Thorough knowledge of credit and credit quality including financial analysis abilities.
  • Ability to work effectively with individuals and groups in managing member relationships.
  • Must be able to work independently and to organize and plan schedule for optimal productivity and achieve production goals.
  • Maintain comprehensive knowledge of the Credit Union’s products and services in order to identify cross-selling opportunities which benefit the member.
  • Excellent presentation, verbal and written communication skills.
  • Well-developed analytical and problem-solving skills.


If you are considered for an offer of employment at TVFCU, you must successfully complete a pre-employment screening that includes:

  • Verification of education, employment, and other pertinent data included on your employment application, and eligibility to work in the United States
  • Criminal background check and drug screening
  • Pre-employment credit check required

Pre-employment screening helps TVFCU provide a safe environment for our members and employees, minimize risk, and ensure federal compliance.

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