Head of Commercial Banking

It's a Job ... Only Better!

At UKFCU, we're more than a Credit Union - we're a community, and we've been proudly serving our members since 1937! As a rapidly growing, not-for-profit organization, we're dedicated to making a real difference in the lives of our members and employees alike. If you're looking for a workplace where you can grow, make an impact, and have fun while helping others, UKFCU is the place for you!

Why This Role Matters

As the Head of Commercial Banking, you will lead and inspire our Commercial Lending business development team, playing a pivotal role in shaping and executing our business lending strategy. Your focus will be on driving sustainable loan growth through proactive origination, deepening client relationships, and building strategic partnerships. You will collaborate closely with Commercial Operations to foster a strong and seamless relationship between sales and operations, ensuring excellence in credit quality and service delivery. As a leader, you will coach and mentor Commercial Relationship Officers, empowering them to exceed performance targets and deliver outstanding client experiences.

What You'll Do

Commercial Lending Business Development & Strategy:

• Lead Business Development efforts by identifying, developing, and closing new commercial lending opportunities.
• Drive loan growth by achieving and exceeding business lending goals through effective prospecting and relationship management.
• Develop strategic partnerships by growing and cultivating relationships with external centers of influence. Participate in industry and community events.
• Maintain and deepen current relationships to ensure long-term satisfaction and retention.
• Drive strategic initiatives aligned with UKFCU's lending goals, working closely with Senior Management.
• Monitor industry trends, competitor activities, and market changes to guide strategy and identify new opportunities.

Team Leadership:

• Mentor and coach Commercial Relationship Officers to meet sales goals and service standards.
• Provide leadership and technical expertise to support employee growth.
• Monitor team performance and provide regular feedback and coaching.
• Responsible for reporting on business development activities and loan production.

Collaboration:

• Work closely with Commercial Operations to streamline processes, improve service delivery, and uphold credit quality standards.
• Maintain vendor and partner relationships to support business development and service delivery.
• Underwrite loans within delegated authority and present recommendations to senior leaders as needed.
• Collaborate with credit analysts to ensure timely completion of annual loan portfolio reviews to evaluate borrower risk and creditworthiness.
• Ensure compliance with policies, procedures, and audit standards.

Who You Are

Experience & Education

• 5-10 years of experience in commercial lending preferred.
• Bachelor's degree in business, finance, or equivalent experience.
• Proven track record of success in team management and relationship development.

Skills & Strengths

• Strong knowledge of business lending practices and regulations.
• Deep understanding of credit analysis and commercial loan underwriting.
• Analytical and strategic thinking with excellent communication skills.
• Ability to build trust, influence teams, negotiate, and make sound decisions.

Key Traits

• Visionary leader with a passion for helping businesses thrive.
• Proactive problem-solver and motivator.
• Committed to member service, continuous improvement, and team development.

What's in It for You?

• Competitive salary and industry-leading benefits.
• Opportunities for professional growth and leadership development.
• A chance to make a lasting impact on our members and the organization's future.

Legalese

Equal Opportunity Employer

UKFCU is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law.

At-Will Employment

Employment with UKFCU is deemed "at-will," which means that either you or the company may terminate the employment relationship at any time, with or without cause or notice, unless otherwise provided by law.

Physical and Cognitive Demands

This role requires a blend of physical activity and mental focus to effectively perform its essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this role. Key physical activities include sitting, standing, walking, and occasional lifting (up to 25 pounds). You'll also use your hands for various tasks, reach with your arms, and engage in conversations. Vision requirements include the ability to focus, perceive depth, and distinguish colors. Cognitive abilities essential for this role include judgment, auditory perception, memory, reasoning, and occasional persuasion.

Work Environment

You'll primarily work indoors in a comfortable, climate-controlled office setting. The noise level is typically moderate, ensuring a focused yet dynamic work environment. Reasonable accommodations will be provided as needed to support an inclusive workplace.

This job description provides a general overview of the responsibilities and expectations for this role. It is not a comprehensive list of tasks, and employees may be asked to take on additional duties to support team success.