246 Best de numbers Jobs in Atlanta, Georgia (febrero 2026) - page 4

Business Relationship Officer - Business / Commercial Lending

hace 21 días

Atlanta

Job Description JOIN our dynamic Business / Commercial Lending Team! We are seeking a seasoned individual. Preference will be given to those candidates having at least 5 years of broad work experience managing and monitoring a portfolio of commercial loans including the annual evaluation of escrows, loan covenants, and mitigation of credit risks. Serve as the primary point of contact for Business / Commercial loans with solid experience structuring loans. Title: Business Relationship Officer Position Status – Full Time exempt Reports To: Business Lending Manager Target hiring pay range: $72,400 - $90,501 The listed pay information includes the minimum rate of pay to the mid-point rate of pay for the posted position The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector. We believe great work is to be rewarded with great benefits. Our benefits include, but aren’t limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays. Purpose: The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.” The Business Relationship officer manages and develops relationships with business owners and serves as the primary APCU Center Parc resource performing initial credit analysis for the underwriting of new business loans, managing an assigned portfolio of existing loans and maintaining a cadence of ongoing credit analysis and monitoring existing loans. Essential Duties and Responsibilities: Other duties may be assigned. • Adhere to and deliver on APCU Center Parc’s core values:, • Serve Exceptionally, • Commit to Better, • Find the Fun, • Invest in Integrity, • Follow the Numbers, • Go Forth and Conquer, • Protect with Passion, • Serve as primary point of contact and inquiries from business members seeking a commercial loan., • Partner with Business Relationship Managers (BRM) to identify cross-selling opportunities., • Engage in need-based discovery conversations to understand borrower needs, industry trends, and borrower’s use of funds; Recommend suitable lending products that are aligned with the business member’s goals., • Build and maintain trust and rapport with business owners and financial decision makers within those business organizations; Track and manage sales pipeline ensuring timely follow up and reporting updates., • Review financial statements, credit history, cash flow, collateral, and other relevant data to evaluate the borrower’s ability to pay on both a short-term and long-term basis., • On a schedule cadence, identify disparities, risks, and fluctuations in financial ratios and make recommendations on creative ways to mitigate risks to the credit union., • Make recommendations on commercial loan approvals, credit limits, loan structure, collateralization, and terms based upon a thorough assessment of financial risk; Support BRM and Business relationship specialists in discovery conversations and structure of lending solutions., • Analyze appropriate structuring options for loan request and booked loans, considering collateral and borrower valuations; Monitors booked loans for adherence to terms, structure, and covenants., • Prepare commitment letters or collaborate with internal stakeholders or internal counsel to prepare commitment letters., • Demonstrate full ownership of an assigned portfolio of existing business members with minimal guidance., • Complete annual reviews and both material and non-material modifications independently and within assigned time frame; identifies early warning signs and recommends appropriate action., • Coordinate all activity and interactions, associated with modifications, with the members, attorneys, agents, title agencies, underwriters, and processors., • Monitor quarterly, semiannual, or annual reporting and financial statements and determine upgrades and downgrades in risk ratings; As required, monitor and analyze escrow accounts for contribution adjustments., • As required, support underwriters in reviewing and negotiating legal documentation; collaborate with underwriting, credit, and operations teams to ensure prompt processing of all loans., • Promptly escalates concerns, identified risks, or problem accounts in accordance with established procedures and in collaboration with other internal stakeholders., • Ensure that portfolio data is accurate, up to date, and complete; Commits to timeliness and quality of reporting., • Maintain a clear understanding of the credit union’s lending policies, risk guidelines, product offerings and product eligibility criteria; Ensure compliance with established credit policies and procedures, • Perform all necessary tasks and assignments necessary to prepare for audits., • Demonstrate a sense of urgency, attention to detail, ability to multi-task and the ability to make data driven financial decisions., • Effectively use written and oral communication skills in daily correspondence., • Adhere to the provisions of the Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Housing Act (FHA), the Universal Code (UCC), and any other state or federal regulation associated with the granting of credit that are applicable to this position., • Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position., • Travel associated with this role is less than 10%., • Other duties as assigned. Supervisory Responsibilities: No direct reports. May manage day-to-day tasks through indirect reporting relationships or through a matrixed management approach and the ability to collaboratively interact with internal and external partners. Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/pr ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. REQUIRED Education and/or Experience: • A bachelor’s degree in finance, accounting, business administration, or related field of study; 4 years of specific work experience in lieu of degree, • 3 years of specific work experience where the primary tasks involved credit analysis, underwriting, portfolio management for commercial loans, • 3 years of specific work experience using modeling software like Argus, CoStar, lease management software, portfolio management software, and portfolio benchmarking tools and software, • 5 years of broad work experience managing and monitoring a portfolio of commercial loans including the annual evaluation of escrows, loan covenants, and mitigation of credit risks in a credit union, • Working knowledge of Symitar, Baker Hill LOS, Meridian Link, Laser Pro, Co Tribute, and other software applications and tools relevant to this position and the evaluation of credit and monitoring of loan performance Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources. Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.

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