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Senior Commercial Loan Officer

First Community Credit Union

Grand Forks, ND

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JOB DETAILS
JOB TYPE
Full-time
SKILLS
Agriculture, Analysis Skills, Business Development, Business Growth, Business Loans, Cash Flow, Commercial Loans, Credit Analysis, Credit Union, Cross-Selling, Economics, Finance, Financial Accounting, Financial Analysis, Identify Issues, Interviewing Skills, Investment Management, Leadership, Loan Closing, Loan Documents, Loan Portfolio, Loan Structuring, Loans, Maintain Compliance, Needs Assessment, Regulatory Requirements, Relationship Management, Revenue Growth, Risk Analysis, Sales, Sales Presentation, Sales Support, Tax Returns, Time Management, Underwriting
LOCATION
Grand Forks, ND
POSTED
30+ days ago

About FCCU

FCCU is the largest credit union in the region with over a billion dollars in assets. We are a growing family of employees who succeed personally and professionally. We offer competitive compensation, technical and leadership development, and opportunities for industry and community involvement.

As a credit union we are member owned. This allows us to invest in our members and the communities we serve. Through helping others achieve financial growth and giving back to our communities, you can truly fulfill the FCCU mission: Life is Better with Community.

Core Values - Strengthen Community by helping members grow and thrive.

Community - Our communities define who we are: "People Helping People."

Integrity - We live and work with uncompromised integrity.

Passion - We display passion in our work and service to our membership.

Growth - Growing both as a Credit Union and professionally as employees is imperative to long‑term success.

Position Overview

The Senior Commercial Loan Officer plays a key role in supporting FCCU's mission of strengthening communities by helping members grow and thrive. This position builds and manages strong relationships with business members by providing expert financial guidance and offering competitive commercial lending and deposit solutions tailored to their needs. The role leads the lending process from initial interview through underwriting and closing, evaluating financial information, identifying risks, and structuring secured and unsecured commercial loans in alignment with Credit Union policies and regulatory requirements.

Beyond lending expertise, this role focuses on cultivating trust, generating new business, and contributing to FCCU's growth through proactive business development and community engagement. The Commercial Loan Officer II also maintains and monitors an active loan portfolio, ensuring accuracy, compliance, and timely problem‑loan detection. Ideal candidates are relationship‑driven, analytical, and adaptable, excelling in a fast‑paced environment where service, accuracy, and professional communication are essential.

Duties and Responsibilities

  • Establish and build relationships with business members by providing financial expertise, seeking cross‑sell opportunities, and supporting FCCU's sales and service focus.
  • Prospect and generate new business through networking, sales calls, presentations, and other outreach efforts to promote lending and deposit solutions.
  • Conduct interviews with current and prospective members to evaluate commercial loan requests, gather financial information, and determine appropriate loan structures.
  • Analyze financial statements, identify risks, recommend loan terms, determine collateral needs, and approve or recommend credit decisions within authority.
  • Partner with internal resources to prepare documents, close loans, and ensure accurate processing while consistently meeting sales, loan growth, and portfolio management expectations.
  • Service and monitor an active loan portfolio, ensuring compliance, timely past‑due management, and proactive problem‑loan identification and resolution
     

Qualifications

  • Bachelor's degree in business, finance, or a related field, economics, agriculture, or four years of relevant experience in lieu of formal education.
  • Five years of experience within business lending
  • Thorough knowledge of financial accounting with the ability to spread and analyze financial statements, cash flows and tax returns from companies and individuals..
  • Demonstrated experience in sales and business development activities.

Benefits

We provide a great benefits package that includes 11 paid federal holidays, 401k match, fully paid single medical, dental and vision, and much more. While benefits are important, we also recognize and support the value of family and work‑life balance.

Work Schedule

Full time Monday-Friday

 

You must complete an FCCU employment application located at https://www.myfccu.com/careers

First Community Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. (EOE, including disability/vets)

About the Company

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First Community Credit Union