Park Community
Small Business Relationship Officer- Louisville Area
Park Community, Louisville, Kentucky, us, 40201
Position
Small Business Relationship Officer- Louisville Area
Location Louisville, KY
Job Id 312
# of Openings 1
Role By emphasizing One Park, One Mission, One Team, the Small Business Relationship Officer advances the credit union's commitment to making a meaningful difference in every member's financial life. The position focuses on delivering high-quality service, identifying member needs, and recommending products and services that support their financial goals. The role is also responsible for supporting small business members throughout the lending process. This includes receiving loan applications, explaining available lending options, and guiding members from initial inquiry through final decision. In addition, the position originates, monitors, and renews loan and deposit relationships for small business members with aggregate exposure under $1MM, ensuring all activities align with credit union policies and assigned portfolio requirements.
Essential Functions & Responsibilities
Work directly with members to gather application information and assess whether the member, collateral, and loan conditions meet credit union requirements. Use an understanding of available loan options to determine the most appropriate business lending method. Support deposit growth in alignment with the credit union’s budget. Prepare loan requests for underwriting review and communicate credit decisions to applicants in accordance with policies and regulations. Coordinate and track required third‑party tasks, and partner with the processor to assemble, organize, and maintain all file documentation. Assist with loan closings as needed or directed.
Actively work to grow credit union small business lending presence including building relationships within the market, professional groups, select employee groups and credit union staff. Participate in credit union business development or education events providing member business lending expertise.
Support manager with maturing loans, keeping up to date with market conditions, planning, and SWOT. Ensure communication with branch staff for coordination of meeting space for appointments; attend department meetings or training as scheduled. Provide reports as requested.
Maintain up to date knowledge of regulations, rules, policies and procedures governing all classes of loans with focus on Member Business Lending. Advise manager of any changes that may affect credit union processes to limit risk or loss.
Maintain knowledge of credit union products and services and look for cross‑sell opportunities which will benefit the member’s financial needs. Cross‑sell services such as business checking products and refer business or property owners to the branches for consumer deposit and loan products. Provide service as required by the member’s availability including needs that may require appointments or follow‑up outside of traditional business hours.
Perform other duties as assigned.
Performance Measurements
To be an ambassador of Park's culture supporting the credit union's mission to build thriving communities together ensuring words and actions align with the Park VIBE that defines our Core Values: Vibrant Connections, Inclusive Excellence, Bold Compassion, Endless Empowerment.
To provide friendly, professional and accurate service and support to all members and coworkers.
To originate new commercial loan volume as established by credit union goals.
To prepare loan request narrative within 3 days of receipt of all documents/loan information.
To return all calls within 2 hours of receipt.
To cross sell credit union products and services.
To maintain working knowledge of all business products and rates, both within the credit union and from the industry overall.
To follow the credit union’s Bank Secrecy Act and anti-money laundering policies and procedures, including running OFAC searches, completing investigative reports of suspicious activity and currency transaction reports timely and without error.
To maintain a professional work environment, promote teamwork, build respect among coworkers and present a businesslike appearance.
To follow all security policies and procedures and report discrepancies or suspicious activity to manager immediately.
Knowledge and Skills Experience
One year to three years of similar or related lending experience.
Education
(1) A two‑year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job‑specific skills acquired through an apprenticeship program.
Interpersonal Skills
Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
Other Skills
Strong credit analysis skills, including reviewing financials, assessing risk, and understanding loan structures. Business development and relationship‑building abilities to grow small business lending and drive new opportunities. Solid understanding of regulatory and compliance requirements related to member business lending and BSA/AML. Excellent communication, organization, and time‑management skills to guide members, manage multiple files, and meet deadlines. Proficiency with loan systems and operational processes, including assembling underwriting files and coordinating closings.
Physical Requirements WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. While performing the essential duties of this position, the employee is regularly exposed to a general office environment and interaction with customers.
PHYSICAL DEMANDS
The physical demands described here are representative of those required to successfully perform the essential functions of this position, but do not necessarily constitute an exhaustive list of all essential functions. To the extent required by any applicable law, reasonable accommodations will be made to enable qualified individuals with disabilities to perform essential functions where this can be done without posing a direct threat to self or others. While performing the essential duties of this position, the employee frequently must sit, stand, and walk short distances. The employee frequently uses hands and fingers to count currency and handle, manipulate, and feel objects, documents, and office tools and equipment. Reads, writes, listens, speaks, and uses personal computers, copiers, telephones, and other office equipment and software throughout the work day. The employee is occasionally required to stoop, bend, squat, and reach overhead with hands and arms. Occasionally pushing and pulling of office furniture and other objects. The employee may occasionally lift and/or move up to 15 pounds and on occasion lift and/or move up to 25 pounds.
Park Community Credit Union is an Equal Opportunity Employer/ Veterans/ Disabled
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Location Louisville, KY
Job Id 312
# of Openings 1
Role By emphasizing One Park, One Mission, One Team, the Small Business Relationship Officer advances the credit union's commitment to making a meaningful difference in every member's financial life. The position focuses on delivering high-quality service, identifying member needs, and recommending products and services that support their financial goals. The role is also responsible for supporting small business members throughout the lending process. This includes receiving loan applications, explaining available lending options, and guiding members from initial inquiry through final decision. In addition, the position originates, monitors, and renews loan and deposit relationships for small business members with aggregate exposure under $1MM, ensuring all activities align with credit union policies and assigned portfolio requirements.
Essential Functions & Responsibilities
Work directly with members to gather application information and assess whether the member, collateral, and loan conditions meet credit union requirements. Use an understanding of available loan options to determine the most appropriate business lending method. Support deposit growth in alignment with the credit union’s budget. Prepare loan requests for underwriting review and communicate credit decisions to applicants in accordance with policies and regulations. Coordinate and track required third‑party tasks, and partner with the processor to assemble, organize, and maintain all file documentation. Assist with loan closings as needed or directed.
Actively work to grow credit union small business lending presence including building relationships within the market, professional groups, select employee groups and credit union staff. Participate in credit union business development or education events providing member business lending expertise.
Support manager with maturing loans, keeping up to date with market conditions, planning, and SWOT. Ensure communication with branch staff for coordination of meeting space for appointments; attend department meetings or training as scheduled. Provide reports as requested.
Maintain up to date knowledge of regulations, rules, policies and procedures governing all classes of loans with focus on Member Business Lending. Advise manager of any changes that may affect credit union processes to limit risk or loss.
Maintain knowledge of credit union products and services and look for cross‑sell opportunities which will benefit the member’s financial needs. Cross‑sell services such as business checking products and refer business or property owners to the branches for consumer deposit and loan products. Provide service as required by the member’s availability including needs that may require appointments or follow‑up outside of traditional business hours.
Perform other duties as assigned.
Performance Measurements
To be an ambassador of Park's culture supporting the credit union's mission to build thriving communities together ensuring words and actions align with the Park VIBE that defines our Core Values: Vibrant Connections, Inclusive Excellence, Bold Compassion, Endless Empowerment.
To provide friendly, professional and accurate service and support to all members and coworkers.
To originate new commercial loan volume as established by credit union goals.
To prepare loan request narrative within 3 days of receipt of all documents/loan information.
To return all calls within 2 hours of receipt.
To cross sell credit union products and services.
To maintain working knowledge of all business products and rates, both within the credit union and from the industry overall.
To follow the credit union’s Bank Secrecy Act and anti-money laundering policies and procedures, including running OFAC searches, completing investigative reports of suspicious activity and currency transaction reports timely and without error.
To maintain a professional work environment, promote teamwork, build respect among coworkers and present a businesslike appearance.
To follow all security policies and procedures and report discrepancies or suspicious activity to manager immediately.
Knowledge and Skills Experience
One year to three years of similar or related lending experience.
Education
(1) A two‑year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job‑specific skills acquired through an apprenticeship program.
Interpersonal Skills
Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
Other Skills
Strong credit analysis skills, including reviewing financials, assessing risk, and understanding loan structures. Business development and relationship‑building abilities to grow small business lending and drive new opportunities. Solid understanding of regulatory and compliance requirements related to member business lending and BSA/AML. Excellent communication, organization, and time‑management skills to guide members, manage multiple files, and meet deadlines. Proficiency with loan systems and operational processes, including assembling underwriting files and coordinating closings.
Physical Requirements WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. While performing the essential duties of this position, the employee is regularly exposed to a general office environment and interaction with customers.
PHYSICAL DEMANDS
The physical demands described here are representative of those required to successfully perform the essential functions of this position, but do not necessarily constitute an exhaustive list of all essential functions. To the extent required by any applicable law, reasonable accommodations will be made to enable qualified individuals with disabilities to perform essential functions where this can be done without posing a direct threat to self or others. While performing the essential duties of this position, the employee frequently must sit, stand, and walk short distances. The employee frequently uses hands and fingers to count currency and handle, manipulate, and feel objects, documents, and office tools and equipment. Reads, writes, listens, speaks, and uses personal computers, copiers, telephones, and other office equipment and software throughout the work day. The employee is occasionally required to stoop, bend, squat, and reach overhead with hands and arms. Occasionally pushing and pulling of office furniture and other objects. The employee may occasionally lift and/or move up to 15 pounds and on occasion lift and/or move up to 25 pounds.
Park Community Credit Union is an Equal Opportunity Employer/ Veterans/ Disabled
#J-18808-Ljbffr