Commercial Lending Officer, Vice President

Job Title: Commercial Lending Officer, Vice President

Department: Commercial Lending

Department Location: Littleton, MA

Reports to: Chief Commercial Banking Officer

Career Stream: Individual Contributor

Classification: Hybrid

Exemption: Exempt

Pay Grade: 15

Pay Grade Range: $122,841.26 - $153,551.63

Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

FUNCTION

Drives the success of the Commercial Lending Department through strategic business development, sales, and relationship management.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Business Development & Member Engagement

• Proactively engage local businesses to promote commercial lending solutions, and deposit services.
• Build and maintain strong relationships with business members to support growth and retention.
• Refer clients to internal partners for cross-selling opportunities.
• Identify and pursue new lending opportunities to expand the commercial portfolio.
• Originate, process, and prepare loan applications for underwriting, approval, and closing.
• Represent the credit union at public events, and industry gatherings.
• Establish strategic partnerships to enhance community visibility and engagement.
• Participate in member-focused seminars and educational events.
• Educate members on the full suite of credit union products and services to deepen engagement.
• Collaborate across departments to increase revenue.

Sales Performance & Goal Achievement

• Develop and execute outreach strategies to meet or exceed sales targets.
• Conduct regular business reviews to assess member satisfaction and identify growth opportunities.
• Track and report progress toward loan and deposit growth goals.
• Ensure business lending activities generate loan volume, fee income, and deposit growth in alignment with established targets.
• Maintain accurate records of contacts, sales activity, and outcomes

Compliance & Operational Excellence

• Participate in ongoing professional development
• Stay current on commercial products, regulatory requirements, and compliance standards.
• Ensure adherence to application, underwriting, and disclosure procedures.
• Adhere to all Workers Credit Union policies, procedures, and operational standards.
• Maintain confidentiality of member and credit union information.
• Participate in departmental and organizational projects as needed.
• Perform additional duties as assigned.

QUALIFICATIONS

Education

• High school diploma or equivalent required. Bachelor's degree in business administration or related field preferred.
• Commercial credit training or business banking credit analysis experience preferred.

Experience

• Minimum 10 years of experience in commercial lending.

Knowledge, Skills, and Abilities

• Business Acumen: Deep understanding of financial products, lending practices, and market dynamics.
• Relationship Management: Proven ability to build trust with members, prospects, and community stakeholders.
• Sales & Negotiation: Skilled in presenting solutions, handling objections, and closing deals.
• Strategic Thinking: Ability to anticipate market trends and develop proactive outreach strategies.
• Compliance Awareness: Strong knowledge of lending regulations and commitment to regulatory compliance.
• Solution Delivery: Proficient in tailoring financial solutions to meet complex member needs.
• Performance Orientation: Demonstrated success in achieving sales targets and expanding market reach.

Work Environment

• Work settings range from professional office environments to public events and community gatherings.

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 this job.
• The role requires the ability to sit, stand, and walk for extended periods, especially during community and networking events.
• Ability to lift and carry promotional materials and event displays (up to 25 pounds)
• The position requires frequent use of a computer, telephone, and other office equipment, necessitating manual dexterity and visual acuity.
• Ability to travel to various locations as needed.

About Workers Credit Union: Since 1914, Workers Credit Union has existed to Improve the Daily Lives of our Members. We deliver on our core purpose by partnering with our members to help them make their best financial choices and improve their financial wellness. We call this The Workers Way and this is at the center of everything we do. Through our specialized financial counseling, we are pioneering a new member experience through high-touch service and convenient technology. We have grown to over 2.6 Billion in assets and serve over 120,000 members. We are one of the top performing credit unions in Massachusetts with big plans for the future!

Benefits:

• Comprehensive medical, dental and vision plans
• Basic life and AD&D insurance, short-term disability and long-term disability
• 15+ days of paid time off (PTO) per year
• Up to 16 hours of volunteer time off (VTO) per year
• 11+ paid holidays
• 401(k) that includes a Safe Harbor Match of up to 4%.
• Tuition Reimbursement Program
• Mental health resources including an Employee Assistance Program (EAP)
• Individualized learning and development programs

EEO Statement: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.