Summary
Follows procedures to ensure required documentation is received and maintained for the loan and underwriting process, to include performing cash flow underwriting analysis of commercial loans (office, retail, hospitality, warehouse/industrial, etc.),1-4 family dwellings, multi-family properties, vehicle loans, and credit card requests. Establish working relationships with vendors and work with vendors to request required supporting documentation such as appraisals, environmental reports, flood certifications, legal documents, etc. Create and manage working relationships with and support branch staff with regard to business deposit and lending needs. Ensure that business loan records are accurately prepared according to Peach State Federal Credit Union policies and procedures.
Essential Functions and Responsibilities
- Examines, evaluates and makes recommendations on commercial/business loan applications and participation opportunities for commercial loans and other business lending products. This includes obtaining financial information from members/guarantors, analyzing financial data provided, preparing cash flow analysis and credit memos to include loan risk ratings, performing required site visits, and collecting updated documents to include insurance, tax information, loan histories, and corporate documents where applicable.
- Cultivates and manage member relationships and responds to members who have business lending and banking questions.
- Facilitates professional relationships with any and all vendors specific to the processing of business loans to include brokers, appraisers, environmentalists, attorneys, insurance companies, etc.
- Complete annual review audits. Collect updated financial information and assist with preparation of business loan files.
- Follows all policy and compliance procedures with regard to Member Business and Commercial Lending inquiries.
- Supports the retail branch, loan by phone and credit union call center staff who have business loan and business relationship questions. Builds rapport with fellow teammates and credit union staff. Demonstrates genuine concern for others and shares expertise with peers when appropriate. Fosters a spirit of cooperation to ensure the success of the team.
- Other duties as assigned
Performance Measurements
- Demonstrates the ability to use technology to effectively and efficiently perform the functions of the job. i.e.. Has good working knowledge of Drop Box, Acrobat Adobe, MS Outlook, Excel and Word.
- Maintain excellent written and verbal communication skills in addition to a high level of analytical skills with high level of attention to detail.
Knowledge and Skills
Experience | Three years to five years of similar or related experience.
Education | (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree) or (3) job specific skills acquired through five or more years of experience as a Commercial Credit Analyst.
Interpersonal Skills | Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
Other Skills | Must have in depth understanding of and ability to interpret regulations affecting lending programs. Extensive knowledge of consumer, commercial and real estate practices and procedures. Proficiency with Microsoft Word and Excel. Excellent organization and time management skills.
Benefits
Peach State FCU offers competitive compensation along with a benefit package including Paid Time Off (PTO), medical, dental, vision, long-term disability, basic life insurance, traditional and Roth 401(k) plans and company matching. We also offer optional life insurance, flexible spending account and tuition assistance.
To apply, email your resume and cover letter to resumes@peachstatefcu.org.
Peach State FCU is an Equal Opportunity Employer supporting diversity in the workplace.
Summary
To ensure the Credit Union's building systems and equipment are functioning properly and are maintained in excellent condition.
Responsibilities
- Communicates with managers regarding needed maintenance and repair of facilities; schedules visits with managers to performed scheduled maintenance and repair.
- Maintains adequate inventory of supplies and maintenance products used in all buildings.
- Responsible for HVAC, plumbing, and other equipment systems maintained in proper working order and repaired when necessary.
- Responds promptly to requests made via internal communications such as phone calls, emails or other requests in need of immediate assistance.
- Works diligently with contractors to resolve issues as they arise.
- Remains within budget constraints when purchases are needed.
- Performs other job-related duties required or assigned.
Performance Measurements
- Ensure preventive maintenance (PM) tasks are completed on time, ensuring equipment reliability.
- Prioritizing work order completion time.
- Efficiency rate of resolving an issue on the first visit or with an effective follow up plan.
- Limit the number of pending or deferred maintenance tasks.
- Rate of time spent on planned, proactive maintenance than on emergency, reactive repairs.
- Asset Downtime: The total time critical equipment (HVAC, electrical, plumbing) is non-operational due to repairs.
- Adherence to safety protocols, reducing on-the-job incidents, and ensuring regulatory compliance.
- Feedback from employees regarding the quality and speed of maintenance services.
Knowledge and Skills
Experience | Oneyear to three years of similar or related experience.
Education | A high school education or GED.
Interpersonal Skills | Work involves much personal contact both internal and external for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Other Skills | Good communication skills both written and oral.
Physical Requirements | Must be able to lift up to 50lbs.
Work Envronment | Indoor and Outdoor conditions at various locations as needed.
Benefits
Peach State FCU offers competitive compensation along with a benefit package including Paid Time Off (PTO), medical, dental, vision, long-term disability, basic life insurance, traditional and Roth 401(k) plans and company matching. We also offer optional life insurance, flexible spending account and tuition assistance.
To apply, email your resume and cover letter to resumes@peachstatefcu.org.
Peach State FCU is an Equal Opportunity Employer supporting diversity in the workplace.
Summary
Assist members with their financial transactions while providing friendly, accurate, and timely service.
Responsibilities
- Receive and process member financial transactions including deposits, withdrawals, transfers, and loan payments as directed by the member.
- Post transactions to member accounts and maintain member records.
- Travel among the branches as needed to provide staffing coverage.
- Welcome members to the branch and provide information about credit union services; direct members to the appropriate person/department to obtain specific information and services.
- Cross sell credit union products and services.
- Perform miscellaneous tasks such as data entry, filing, and answering the phone.
- Balance cash drawer and daily transactions.
- Perform other duties as assigned.
Performance Measurements
- Provide friendly, professional, personalized service to members.
- Flexibility to work in a variety of branch settings.
- Ability to handle at least 100 transactions per day.
- Process transactions accurately.
- Balance cash drawer daily with minimal or no outages.
- Comply with all regulatory requirements and credit union policies and procedures.
Knowledge and Skills
Experience | One year to three years of similar or related experience.
Education | A high school degree or GED.
Interpersonal Skills | Courtesy, tact, and diplomacy are essential elements of the job. Work involves significant interaction with others inside and outside of the organization to provide or obtain information, facilitate conversations, solicit cooperation, and build relationships.
Other Skills | Operate a 10-key calculator and computer keyboard by touch. Attention to detail and high degree of accuracy with numbers and names.
Benefits
Peach State FCU offers competitive compensation along with a benefit package including Paid Time Off (PTO), medical, dental, vision, long-term disability, basic life insurance, traditional and Roth 401(k) plans and company matching. We also offer optional life insurance, flexible spending account and tuition assistance.
To apply, email your resume and cover letter to resumes@peachstatefcu.org.
Peach State FCU is an Equal Opportunity Employer supporting diversity in the workplace.
Summary
Assist members with their financial transactions while providing friendly, accurate, and timely service.
Essential Functions and Responsibilities
- Receive and process member financial transactions including deposits, withdrawals, transfers, and loan payments as directed by the member.
- Post transactions to member accounts.
- Welcome members to the branch and provide information about credit union services; direct members to the appropriate person/department to obtain specific information and services.
- Cross sell credit union products and services.
- Perform miscellaneous tasks such as data entry, filing, and answering the phone.
- Balance cash drawer and daily transactions.
- Perform other duties as assigned.
Performance Measurements
- Provide friendly, professional, personalized service to members.
- Ability to handle at least 100 transactions per day.
- Process transactions accurately.
- Balance cash drawer daily with minimal or no outages.
- Comply with all regulatory requirements and credit union policies and procedures.
Knowledge and Skills
Experience | One year to three years of similar or related experience.
Education | A high school degree or GED required.
Interpersonal Skills | Courtesy, tact, and diplomacy are essential elements of the job. Work involves significant interaction with others inside and outside of the organization to provide or obtain information, facilitate conversations, solicit cooperation, and build relationships.
Physical Requirements | Must be able to lift up to 25 lbs at times.
Other Skills | Operate a 10-key calculator and computer keyboard by touch. Attention to detail and high degree of accuracy with numbers and names.
Benefits
Peach State FCU offers competitive compensation along with a benefit package including Paid Time Off (PTO), medical, dental, vision, long-term disability, basic life insurance, traditional and Roth 401(k) plans and company matching. We also offer optional life insurance, flexible spending account and tuition assistance.
To apply, email your resume and cover letter to resumes@peachstatefcu.org.
Peach State FCU is an Equal Opportunity Employer supporting diversity in the workplace.
