Commercial Lending Officer - Greater Panama City, FL area at Pen Air Credit Union

Posted in Other 8 days ago.

Type: Full-Time
Location: Okaloosa and Bay County, Florida

Job Description:
Pen Air Credit Union

Company Description

Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.

PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $3.0 billion in assets, our purpose is to enhance the lives of those we serve from Mobile County, Alabama to Leon County, Florida.

Do you have a passion for helping others?
Currently, PenAir provides access to 11 convenient locations in Baldwin County, AL and Escambia and Santa Rosa Counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.

Join the team. You’ll fit right in.
Take control of your future by mapping out a career at Pen Air. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you?

The PenAir difference.
Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.

Holistic Amenities:

  • Up to $15K available for continuing education
  • Student Loan Paydown
  • Adoption Assistance Reimbursement
  • Wellness Programs
  • Gym membership reimbursement
  • Formal Career Development Resources
  • Financial Wellness Resources
  • Purchase assistance with computers and fitness equipment

Benefits Package Highlights:

  • Generous PTO Plan—20 days for new hires
  • Paid Maternal & Parental Leave
  • Competitive Retirement Plan
  • Competitive medical, dental & vision plans
  • Company paid Telehealth services
  • Company paid Short Term Disability
  • And more……….!
Starting salary would be commensurate with experience

Commercial Lending Officer Role: Greater Panama City, FL area

This position is responsible for developing new business, underwriting, structuring, and closing commercial loans, as well as maintaining and servicing a commercial loan portfolio. This individual will also represent the Credit Union in it the market area through active participation in community affairs.

Essential Functions & Responsibilities:


Identifies new opportunities for business loans as well as other Credit Union products and services to members through in-person meetings as well as by telephone, written correspondence, and external sales calls. Work within the community to build awareness and new relationships. Promotes all other credit union services, products, and solutions to prospective and existing members.


Reviews loan requests, credit history, financial statements and performs a detailed analysis of the resulting financial data to recommend credit decisions. Structures loan terms and conditions that meet the member’s needs and the Credit Union’s lending guidelines.


Manages a commercial loan portfolio for adherence to loan terms and conditions including but not limited to the timely receipt of required financial information, covenant compliance, and periodic reviews. Monitors loan repayment activities and taking necessary action to collect from past-due accounts.


Keeps abreast of Credit Union commercial lending compliance requirements and regulations. Ensures compliance with lending regulations and internal controls for accuracy, timeliness, and proper documentation. Adheres to all internal policies, procedures, and practices in support of risk management and overall safety and soundness of the Credit Union’s compliance to all regulatory requirements.


Performs other job related duties required or assigned.

Performance Measurements:


Regular reliable attendance.


Demonstrate behaviors consistent with the PenAir Core Values.


Uses good judgment in establishing and maintaining working relationships, solve problems, and produce accurate outcomes with limited supervision.


Provides professional, accurate, and timely service to support all Credit Union members, associates, and our community. Maintains a positive working relationship with members, associates, centers of influence, and community organizations.


Ability to effectively work both autonomously and collaboratively, manage time effectively, and prioritize work appropriately to meet deadlines and goals.


Ability to work in a goal-oriented environment to achieve goals and objectives focused on loan volume, credit quality, fee income, and referral of other Credit Union products and services.


Updates job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks; participating in professional organizations.

Knowledge and Skills:


Five years to eight years of similar or related experience.


(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).

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

Exceptional member service skills; good problem solving and decision making skills; good judgement; strong communication skills including written, verbal and non verbal; adheres to timelines and schedules; shows initiative in development and completion of projects; highly developed analytical and underwriting expertise.

Extensive knowledge of commercial banking and ability to analyze financial information.

Proficient in Microsoft Office Suite or similar software.

Physical Requirements

Light or low amount of physical exertion; frequent travel by car will generally be required as well as transporting sales materials to events/meetings.

Work Environment

No adverse environmental working conditions noted.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, age, marital status, pregnancy, genetic information, or other legally protected status


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