Share Email Opening Apply Now Title Business Services Officer  Description At Allegacy, there’s a common thread that runs through all of us. It’s our commitment to doing right and our promise to members to always do the right thing for their wellbeing. Every employee in our organization is accountable to living out our brand in meaningful ways as our promise motivates our beliefs, our behaviors, and the benefits we share together. In order to achieve this state of success, this position will focus on identifying, soliciting, developing, underwriting, and managing business loan and deposit relationships in a regional market while participating in Allegacy’s community-focused business development protocol. Specific Accountabilities Deliver exceptional service to every member (both internal and external), every time that is in alignment with our Brand Culture. Meet or exceed established production and service goals. Ensure thorough understanding of expectations and consistently exhibit Allegacy behaviors. Major Duties Consistently call on potential and existing business members (within branch footprint) to develop and maintain profitability through lending and non-lending relationships. Identify, recommend approval, and service loans for businesses within policy and limits of authority. Interview applicants to develop financial and credit information, ascertain needs, abilities, earnings, and risk; request necessary information, such as financial and operating statements. Counsel companies with regard to cash flow, risk analysis, loan structure, and resource referrals. Analyze loan requests in conjunction with Credit Officer using appropriate risk analysis to include cash flow, collateral and guarantor analysis. Recommend terms, conditions and structure within credit policy. Prepare loan approval package and present/recommend to appropriate higher authority (individual or committee). Monitor loans to ensure continuous conformity with terms and to keep abreast of changing business and economic developments that impact the loan portfolio, its profitability, and credit union/banking in general. Ensure and manage the portfolio for accurate loan documentation, exception issues and loan processing in accordance with NCUA regulations and standard operating procedures and Allegacy Lending policy. Service delinquent and special asset accounts as required. Develop, originate, and close business deposits that meet or exceed annual deposit goals. Utilize expertise of Treasury Services Officer to fully meet deposit needs of Member. Ensure business relationships are fully developed, including specific efforts to serve the retail banking needs of the owners/management/employees by partnering with other Allegacy team members and advisors, (i.e. the Branch Staff, Investments and Allegacy Benefit Solutions). Demonstrate enthusiastic support of corporate mission, core values and long-term objectives. Performs job duties within our bylaws, regulations, Board of Directors policies, established internal and external service standards and our work procedures. Represent AFCU in the community by actively participating in civic affairs and local and professional organizations to identify and develop new Business Members and enhance AFCU’s image.   Position Requirements Education: 4 year college degree in Business or related area from an accredited college or university, and related training, such as: Commercial Bank Lending School (or similar program), Stonier or LSU graduate. Experience: Minimum of three years commercial lending and deposit services experience. Knowledge/Skills/Abilities: Strong outbound business development, negotiation and relationship building skills. Strong comprehension of credit and finance and knowledge of applications, to include Excel and Word. Proven ability to work well in a teamwork environment and to balance individual production, relationship management and other company demands. Excellent phone, oral, written and presentation skills. Must be able to travel as necessary, and project a positive and professional image of Allegacy Federal Credit Union.   Full-Time/Part-Time Full-Time   Close Date   Exempt/Non-Exempt Exempt   Location Charlotte   About the Organization Do you get a thrill out of helping people realize their dreams? Do you believe that strong, personal relationships are critical to financial success? Do you want to work for an organization that has its community's best interests at heart? We do, too. That's why we work for Allegacy. Here, you'll find a challenging, rewarding career in one of the most unique entities of the financial industry. Allegacy Federal Credit Union is a place where inclusion and camaraderie thrive, and where everyone is united in their commitment to serving our members.   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.   Pay Grade 12  This position is currently accepting applications. Apply Now WE ALSO RECOMMEND Other Jobs Within Same Category Commercial Credit Underwriter-22 in Charlotte, NC Posted on: 3/15/2022 [Apply Now] Other Jobs Within 60 Miles Business Development Specialist/Sales in Charlotte, NC Posted on: 1/21/2022 [Apply Now] Roving Member Advisor in Mocksville, NC Posted on: 6/2/2022 [Apply Now] Commercial Credit Underwriter-22 in Charlotte, NC Posted on: 3/15/2022 [Apply Now]

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