ࡱ> MOL bjbjAA 0"++t !84$X/M tttttOOOLLLLLLL$OORLXOOXXLttLrrrXFttLrXLrrFKtZ^FIPLL0/MIRRKKRKO0"rOOOLLOOO/MXXXXROOOOOOOOO : MEMBERS FIRST CREDIT UNION JOB DESCRIPTION COMMERCIAL LOAN OFFICER (EXEMPT) Reports to: Commercial Services Director Position Overview: The primary purpose of this position is to assist Members First Credit Union to deliver on its Mission: To make a positive difference in the lives of our members and our community. To achieve this mission the position must deliver high quality service to both internal and external members. Major functions: Deliver on the Credit Unions Service Promises in every service situation Develop, enhance, and monitor the business lending portfolio. Provide information on credit union products and services to current and potential business members. Understand what documentation and forms are needed to consummate closing. Suggest approval or denial of business loan applications. Duties / Responsibilities: Deliver on our Service Promises in every internal and external member contact. I promise to treat you as an honored guest I promise to take responsibility for your request I promise to make it easy to do business with us. I promise to respond to your requests in a timely manner. I promise to identify your needs and suggest a solution that will help you achieve your financial goals. I promise to ensure the security of your financial information. I promise to show my appreciation for allowing me to serve you. I promise to exceed your expectations at every encounter Maintain up-to-date knowledge of general economic conditions or changing trends that may affect the credit unions business loan department. Provide timely feedback that allows the credit union to react competitively. Maintain knowledge of competitors rates and terms and other trends relating to business lending. Construct products, rates and terms that reflect the marketplace. Review loan approvals and denials for soundness of decisions. Gather background information on members applying for business loans by interviewing applicants, and obtaining credit bureau reports. Handle loans of complexity, value and risk. Interview members requesting refinancing or rewrites of existing business loans and/or requests for new business loans. Assist members with the loan application process in person, on the phone, or electronically to ensure completeness of information. Ensure that sound analysis and lending procedures are followed. Act in compliance with the credit unions Business Lending policy at all times. Evaluate the information provided by the business borrower. Explain reasons for denial and explore options for members when business loans are denied. Answer questions from routine to complex related to business loans. Professionally resolve complaints from members and non-members. Cross-sell lending and other credit union products as appropriate. Educational Requirements: A college degree Experience Requirements: Five years to ten years of similar or related experience.     September 27, 2013 +567BLMWZvwxA ˼ڐsi_UH;+hRh^E56OJQJ^JhRh^EOJQJ^Jh^E5>*OJQJ^Jh^EOJQJ^Jh4OJQJ^Jh2$OJQJ^Jh^Eh4OJQJ^Jh^Eh45>*OJQJ^Jh^Eh45OJQJ^Jhi-5CJOJQJ^JaJh2$5CJOJQJ^JaJh!5CJOJQJ^JaJh@5CJOJQJ^JaJ#h^Eh45CJOJQJ^JaJ&h^Eh456CJOJQJ^JaJ+CLMwx K 5 Q R 0 j  & Fgd^E & F!(gd^E & Fgd_ & Fgd.f & Fxgd^E YDxgd^E$a$A C    # 4 5 N P Q R ɹ䘉zzzzzzodWhwh^EOJQJ^Jh^E5OJQJ^Jh45OJQJ^Jh2$CJOJQJ\^JaJh_CJOJQJ\^JaJh^EOJQJ^Jhil=OJQJ^Jh^Eh4OJQJ^Jh^Eh45>*OJQJ^Jh^Eh45OJQJ^Jh^Eh^EOJQJ^JhRh^EOJQJ^JhRh^E5OJQJ^Jj  S hMz&j  8 & F$gd^Egd^E & F!gd^E (^gd^E & F(gd^E & Fgd^E gh%&  '4579rst¸®®tfYOtfYOYh!OJQJ^Jh^Ehil=OJQJ^Jh^Eh45OJQJ^Jh^Ehil=5>*OJQJ^Jh^Eh45>*OJQJ^Jh^Eh4OJQJ^Jh^EhOJQJ^JhOJQJ^JhwOJQJ^JhR0UOJQJ^JhPOJQJ^JhMh^EOJQJ^Jhwh^EOJQJ^Jhwh^E56OJQJ^J89stvwyz|} & F$gd^Etuwxz{}~h^Eh4OJQJ^JhCd= h~hCd=CJOJQJ^JaJhCJOJQJ^JaJhajhaU .:p/ =!"#$% ^ 2 0@P`p2( 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p8XV~_HmH nH sH tH 8`8 Normal_HmH sH tH DA D Default Paragraph FontViV  Table Normal :V 44 la (k (No List H@H il= Balloon TextCJOJQJ^JaJ44 ~Header  !4 @4 ~Footer  !^O"^ .fmsolistparagraphd^CJOJQJaJPK![Content_Types].xmlN0EH-J@%ǎǢ|ș$زULTB l,3;rØJB+$G]7O٭V$ !)O^rC$y@/yH*񄴽)޵߻UDb`}"qۋJחX^)I`nEp)liV[]1M<OP6r=zgbIguSebORD۫qu gZo~ٺlAplxpT0+[}`jzAV2Fi@qv֬5\|ʜ̭NleXdsjcs7f W+Ն7`g ȘJj|h(KD- dXiJ؇(x$( :;˹! I_TS 1?E??ZBΪmU/?~xY'y5g&΋/ɋ>GMGeD3Vq%'#q$8K)fw9:ĵ x}rxwr:\TZaG*y8IjbRc|XŻǿI u3KGnD1NIBs RuK>V.EL+M2#'fi ~V vl{u8zH *:(W☕ ~JTe\O*tHGHY}KNP*ݾ˦TѼ9/#A7qZ$*c?qUnwN%Oi4 =3N)cbJ uV4(Tn 7_?m-ٛ{UBwznʜ"Z xJZp; {/<P;,)''KQk5qpN8KGbe Sd̛\17 pa>SR! 3K4'+rzQ TTIIvt]Kc⫲K#v5+|D~O@%\w_nN[L9KqgVhn R!y+Un;*&/HrT >>\ t=.Tġ S; Z~!P9giCڧ!# B,;X=ۻ,I2UWV9$lk=Aj;{AP79|s*Y;̠[MCۿhf]o{oY=1kyVV5E8Vk+֜\80X4D)!!?*|fv u"xA@T_q64)kڬuV7 t '%;i9s9x,ڎ-45xd8?ǘd/Y|t &LILJ`& -Gt/PK! ѐ'theme/theme/_rels/themeManager.xml.relsM 0wooӺ&݈Э5 6?$Q ,.aic21h:qm@RN;d`o7gK(M&$R(.1r'JЊT8V"AȻHu}|$b{P8g/]QAsم(#L[PK-![Content_Types].xmlPK-!֧6 0_rels/.relsPK-!kytheme/theme/themeManager.xmlPK-!0C)theme/theme/theme1.xmlPK-! ѐ' theme/theme/_rels/themeManager.xml.relsPK] " #A t j 8 8@0(  B S  ?‰a‰a‰a  8*urn:schemas-microsoft-com:office:smarttagsCity9*urn:schemas-microsoft-com:office:smarttagsplace @ t v w y z | }  t v w y z | }  +67BDDZ5P  9 r s s t t w w +67BDDZv 5  9 r s s t t v w w y z | }  %#    C$   Q B `O*| V7 ^x kzD  $^$|VG,ʲ R/ #6 z6 L: H? ]FABlD 0YDU$GHR i0Xt:Cr] jdb uMbcR~5bJlpuoj Ek m 8oCs qHvV&H{Uz[{ U|  hh^h`OJQJo( hh^h`OJQJo( hh^h`OJQJo( hh^h`OJQJo( hh^h`OJQJo( hh^h`OJQJo(h^`B*OJQJo(phhHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hH^`OJQJo(hH hh^h`OJQJo(hhh^h`OJQJo(hHh88^8`OJQJ^Jo(hHoh^`OJQJo(hHh  ^ `OJQJo(hHh  ^ `OJQJ^Jo(hHohxx^x`OJQJo(hHhHH^H`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hH hh^h`OJQJo(h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hHhhh^h`OJQJo(hHh88^8`OJQJ^Jo(hHoh^`OJQJo(hHh  ^ `OJQJo(hHh  ^ `OJQJ^Jo(hHohxx^x`OJQJo(hHhHH^H`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hH hh^h`OJQJo( hh^h`OJQJo( hh^h`OJQJo( hh^h`OJQJo( hh^h`OJQJo(h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hH^`OJQJo(hHhhh^h`OJQJo(hHh88^8`OJQJ^Jo(hHoh^`OJQJo(hHh  ^ `OJQJo(hHh  ^ `OJQJ^Jo(hHohxx^x`OJQJo(hHhHH^H`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHhhh^h`OJQJo(hHh88^8`OJQJ^Jo(hHoh^`OJQJo(hHh  ^ `OJQJo(hHh  ^ `OJQJ^Jo(hHohxx^x`OJQJo(hHhHH^H`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hH hh^h`OJQJo(h88^8`OJQJo(hH-h^`OJQJo(hHh  ^ `OJQJo(hHh  ^ `OJQJo(hHhxx^x`OJQJ^Jo(hHohHH^H`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hH hh^h`OJQJo( hh^h`OJQJo(h^`OJQJo(hH-h^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hH hh^h`OJQJo( hh^h`OJQJo( hh^h`OJQJo(h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hH hh^h`OJQJo(h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hHhhh^h`OJQJo(hHh88^8`OJQJ^Jo(hHoh^`OJQJo(hHh  ^ `OJQJo(hHh  ^ `OJQJ^Jo(hHohxx^x`OJQJo(hHhHH^H`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hH hh^h`OJQJo( hh^h`OJQJo(%V7# z[{R/EkD H?R*| QmCr]lDBL:U|C$jdbspuoj z6#60YDH{^x0$G|VG,$i0X`OqHv]FA8o~5buMb%%p                                                              &F        &F                                   xa'"!i-!![)q5]7.s8Cd=il=tL@^ER0U#_ rsPvyb_a~2$P/v.fw x@@m4!t0t v @s s s s  @Unknown G*Ax Times New Roman5Symbol3. *Cx Arial5. .[`)Tahoma7.@Calibri?= *Cx Courier New;Wingdings="AvantGardeA$BCambria Math"h2Bg2BgPRw  !r4o o  3qHP?[)2!xx -MIDLAND COUNTY SCHOOL EMPLOYEES CREDIT UNIONRoger W. ReiserKristen Walters%                           ! " # $ Oh+'0  0 < H T`hpx0MIDLAND COUNTY SCHOOL EMPLOYEES CREDIT UNIONRoger W. Reiser Normal.dotmKristen Walters2Microsoft Office Word@@ЙF@4b^@4b^ ՜.+,0, hp  Members First Credit Uniono  .MIDLAND COUNTY SCHOOL EMPLOYEES CREDIT UNION Title  !"#$%&'()*+,-./0123456789:;=>?@ABCEFGHIJKNRoot Entry FZ^P1TableaSWordDocument0"SummaryInformation(<DocumentSummaryInformation8DCompObjr  F Microsoft Word 97-2003 Document MSWordDocWord.Document.89q