Looking to work for a great company that is offering a remote position with a flexible schedule and great benefits? Are you a self-motivated individual with strong people skills and a desire to work for local businesses who are dedicated to meeting the needs of their communities? Member Business Financial Services LLC (MBFS) is looking for experienced commercial lenders in the greater Atlanta area. MBFS is a fast growing company that works with 80 credit unions providing all facets of commercial lending from sales, underwriting, closing and servicing. The primary responsibility of this position is to acquire and foster business lending relationships through referral sources both internal and external. Working in conjunction with several credit unions in the greater Atlanta area, this position will conduct in-person and remote relationship meetings with prospective clients where opportunities are identified for commercial loan and/or deposit products as well as traditional credit union products and services. This role has day to day responsibility for the delivery of superior customer service, operational integrity and adherence to credit union policy as well as all state and federal regulations. Must be a customer-oriented individual with excellent verbal and written communication skills. This individual will be responsible for soliciting and servicing prospective customers producing a variety of commercial loans as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through marketing to real estate investors, correspondent lending channels, centers of influence, and other traditional lending channels and referrals. ESSENTIAL FUNCTIONS: Analyzes financial statements, uncovers optimal credit solutions within the context of a relationship plan, understands and articulates cash flow and the inter‑relationship between assets and liabilities, determining the right solution for individuals and professional associations. Provides necessary information to loan underwriters to obtain a full financial evaluation and rating of members and their credit request. Ability to work with colleagues to cross‑sell credit union services and to network with professionals in the community for the purpose of bringing new business members/customers to the credit union partners. Develop a presentation of the analysis prepared for delivery to appropriate credit authorities of the credit union. Prepares and obtains necessary forms for loan documentation and represents credit union at loan closings. Extensively manages portfolio of credit union and meets with existing member business borrowers to evaluate their ongoing business in order to identify new opportunities or developing problems. Works with members and MBFS staff who are experiencing problems resulting in credit delinquency. Develops a network of relationships that will provide opportunity for the development of new members and lending prospects. Keeps abreast of new developments in the market place as well as changing government regulations. Assists in the formation of workout plans and collection of past due loans for substandard members. Monitors existing loan portfolio to maintain a high‑quality asset base. Maintains up‑to‑date member files including current balance sheets, profit and loss statements, cash flow projections and all loan documentation. Assists members with any loan‑related questions and concerns. Perform other job‑related duties as assigned. QUALIFICATIONS : At least two to five years of experience in business lending or financial sales. Equivalent to a college degree Work requires knowledge of small business loan policy; credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan. Knowledge of loan interviewing skills and techniques also required. Must have experience in analyzing business financial statements and assessing the viability of businesses; must have excellent communication and PR skills; ability to use related software required. Requires judgment to apply broader aspects of established practices to situations, which go beyond clear, concise guidelines. Intermediate mathematical skills required (calculations and concepts involving decimals, percentages, fractions, etc.) Knowledge of financial statement interpretation as applied to business accounting and financial principles.
Member Business Financial Services
September 24 on ApplicantPool