Location: West Chester, PA 19832

Department: Member Service/Branch Operation

Reports to: Reports to VP, Branch and Card Services

Position Type:  Full-time In-Person

Position Summary:

This position will provide quality member service by performing financial transactions for members and sales of all credit union products and services required to meet the members’ needs. The MSR II will serve as a valued resource for members seeking assistance with credit union products and services and be expected to engage with both retail and business members. The position will be required to understand and comply with state and federal regulations, especially Bank Secrecy Act requirements.

Duties and responsibilities:

• Greet members of the credit union in a courteous, professional manner.
• Assist retail and business members with their account questions, transactions, or issues.
• Advise and promote additional credit union products and services to members.
• Achieve stated sales and performance goals.
• Receive share drafts/checks and cash for deposit to accounts, verify amounts, and examine share drafts/checks for proper endorsement.
• Identify fraudulent checks/cash and report them to the Manager.
• Cash share draft/checks and process withdrawals.
• Process Visa and loan payments.
• Create and post wire transfers.
• Order/create instant issue credit and debit cards.
• Assist with ATM & Cash Machine reconciliations.
• Open member business accounts.
• Perform any other necessary duties and direct.

Qualifications and Education 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/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• High degree of analytic skills/problem-solving
• Ability to handle multiple priorities.
• Strong interpersonal skills addressing a diverse membership base.
• Proficiency in MS Office Products and PC usage
• Strong sales and negotiating skills.
• Minimum 12 months experience in banking or financial services
• Some college or equivalent experience is preferred.

Salary and Benefits
Base Pay is $19 -$25 plus commission opportunity.  Benefits include partial medical, annual bonus, and 401k.

Location: West Chester, PA 19382

Small Business Commercial Loan Portfolio Manager Job Description:

BHCU Credit Union is seeking a highly motivated and experienced Small Business Commercial Loan Portfolio Manager to join our team in Glen Mills, PA.  In this role, you will be responsible for financial analysis, ensuring the credit and document file quality, monitoring the ongoing credit metrics and expanding the share of wallet and relationship of an existing small business loan portfolio so each business and its personal related members can achieve their financial goals with tailored BHCU financial solutions to support their growth and success.

As a Small Business Commercial Loan Portfolio Manager, you will be responsible for underwriting and preparing for approval of new commercial loan requests by analyzing financial statements, cash flow, and credit worthiness of small business members.  As the Small Business Commercial Loan Portfolio Manager, you play a crucial role in balancing risk and profitability for the Credit Union’s lending activities. You will be leveraging your credit skills to make sound lending decisions and work as a partner with our small business members. Your ability to communicate and manage expectations with the Business Development Officers/Business Relationship Managers, the Credit Union Servicing Organization (CUSO) and our small business members through the lending process is paramount.  As a Small Business Commercial Loan Portfolio Manager, you will be responsible for ensuring that the Credit Union’s small business members loans are being reviewed annually not only to accurately access the credit risk of the commercial loan portfolio but to recommend financial and lending solutions to address challenges that the small business member faces to reach their goals and objectives.

Member Business Loan/Commercial Portfolio Manager responsibilities include:

• Collecting updated borrower financial information in accordance with periodic reporting requirements and completing scheduled loan reviews.
• Managing a portfolio of small business clients including monitoring loan covenants and structuring loan proposals.
• Underwriting and originating new credits from existing and/or new members including renewals, modifications, and annual reviews.
• Making appropriate loan structure recommendations.
• Assist in business loan processing, documentation, closing and/or collection/workout actions including with SBA 7a guaranteed loans.  Experience with SBA 7a lending is a requirement.
• Enhancing the share of wallet and cross-sell ratio through the expansion and deepening of member penetration as well as job-related behaviors.
• Spreading, analyzing, and reviewing financial statements and/or tax returns, income sources, and collateral coverage of borrowers including corporations, partnerships, sole proprietors, and individuals while adhering to the Credit Union’s policies and procedures.
• Assisting in and/or preparing loan presentation write-ups for management and/or loan committee approvals.
• Reviewing commercial loan participations from partner credit unions for credit worthiness and profitability and to make recommendations to management.
• Manage the Available for Sale Commercial Loan Process by preparing credit memos with an executive summary, salient facts as well as loan structure and/or terms for a potential buyer to review for purchase of the Credit Union’s originated loans to manage liquidity and ensure compliance with member business loan cap.
• Ensuring that loans and other assets are appropriately, and timely risk rated in accordance with the Credit Union’s loan policy.
• Assist in loan collection and workout activities as needed.  Experience with business loan collection and workout strategies is a requirement.
• Additional duties as assigned in support of credit union goals and objectives.

Who Are You?

You’re someone who wants to influence your own professional development. You’re looking for an opportunity where you can pursue your interests and your passion.  Where a job title is not considered the final definition of who you are, but merely the starting point for your future.

You also bring the following skills and experience:

• Small to medium sized commercial credit experience required
• Formal commercial credit training is strongly preferred
• Bachelor’s degree is preferred, or equivalent business experience is required.
• Four or more years of commercial lending experience with an emphasis on relationship management and small business lending.  Familiarity with commercial loan processing, loan collection & workout activities and SBA 7a loan process and documentation.
• Strong background in prospecting for new clients and a demonstrated track record in business development.
• Strong organizational, and time management skills, and leadership qualities.
• Working knowledge of financial analysis and accounting theory, and the ability to write clearly, logically, and analytically.
• Excellent written and oral communication skills.
• Ability to be a self-starter and demonstrate a strong level of initiative and commitment with a minimum level of supervision.
• Ability to understand accounting, including financial statement and/or tax return spreads, cash flows, and credit analysis.
• Ability to define problems, proactively identify and articulate risks, collect data, establish facts, and draw valid conclusions to be communicated to management.
• Commercial Banking Knowledge including an in-depth understanding of commercial banking practices, lending products, and industry regulations.
• Proficient in relevant software and tools used for financial analysis, portfolio management, and risk assessment (Microsoft Excel, Word and NCino)
• Decision-Making and Analytical Abilities: Strong analytical skills to make sound lending decisions, anticipate market trends, and provide recommendations based on thorough analysis.
• Communication: Effective communication with internal and external clients is vital for maintaining transparency and managing expectations.  Attention to detail in member reports, business updates, and performance analyses ensures that clients receive accurate and comprehensive information, fostering trust and respected financial advisor status.