Why work at KEMBA?
KEMBA Financial Credit Union is a not-for-profit financial institution, founded in 1933. Our mission is to enrich the financial lives of our members and associates and will do so with passion, empathy, and integrity. We take this commitment seriously. Thanks to prudent decision-making and hard work, KEMBA has grown steadily over the years and has become one of the largest credit unions in Ohio!
Company Culture:
Our CEO knows associates by name and recognizes individuals for their contributions to the cooperative. Working at KEMBA is more than just a job. It is a career where you will enjoy big company perks, but with a small company feel and a family-like atmosphere. We proudly live the credit union philosophy and support the credit union movement. Our associates are passionate, committed and dedicated to serving our members.

Objective

The Commercial Business Development Officer is responsible for actively developing business contacts within the community and originating loans to meet or exceed budgeted goals. Responsible for receiving, reviewing, evaluating, and pre-qualifying business loan requests. Meets with applicants to explain credit policies and to obtain loan information and documentation. Monitors and reviews construction and development loans. Serves borrowers and prospective borrowers promptly and professionally. Provides general Credit Union information and cross- sells services. Assists internal and external Business Services personnel as needed.

Duties and Responsibilities

• Assumes responsibility for the effective and professional completion of assigned business loan functions:

o Focus primarily on smaller and less complex lending relationships

o Interviews, takes applications, and processes preliminary documentation on business loan requests. Discusses loan alternatives, credit criteria, interest rates and loan documentation in such a manner as to elicit positive responses from members

o Analyzes and evaluates loan requests and prepares written submission for consideration by the Business Loan Committee or contracted servicer/underwriter. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems

o Assists in review of construction loan advances on commercial properties, as needed.

o Conducts property inspections as assigned as well as annual site visits

o Follows-up on matured loans

o Assists in the collection of delinquent accounts as required

o Completes lending functions in accordance with established Credit Union policies and legal requirements

• Assumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals:

o Answers questions and resolves requests

o Keeps borrowers informed of Credit Union loan policies and services

o Meets with applicants whose loans are denied and explains reasons and alternatives, as needed

o Maintains and projects the Credit Union’s professional reputation

o Cultivates Credit Union presence in the community by regularly representing Credit Union at business group meetings, Chambers of Commerce, networking groups, etc. in the Credit Union’s major markets

• Assumes responsibility for establishing and maintaining effective communication, coordination and working relations with Credit Union personnel and with management:

o Coordinates functions with related departments and branches and provides support as needed

o Assists Business Development personnel and provides support with Select Employee Groups (SEGs) as needed

o Keeps management informed of area activities and of any significant problems.

o Attends and participates in meetings and committees as required

o Completes required reports and records

Required Qualifications

• Undergraduate degree in Business or a related field, or equivalent combination of training and work experience

• Understanding of financial analysis and determination of credit worthiness

• One to five years of business banking or commercial lending experience

• Excellent communication and public relations skills

• Strong analytical abilities

• Free life and disability insurance

• Ability to bid for free KEMBA Live! concert tickets and shows

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with abilities to perform the essential functions.

While performing the duties of the job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

EOE statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. If you have a disability and are unable to utilize our online application system, you may mail your resume to KEMBA Financial Credit Unit, Attn: Human Resources.

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