Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application interview or employment process please notify our Human Resources Team at option 1 or email and every reasonable effort will be made to accommodate your needs in a timely manner.

Job Summary

Job Description

LOCATION

Mountain America Center - In Office:

9800 S Monroe St
Sandy UT 84070

SCHEDULE

Full Time

To be effective an individual must be able to perform each job duty successfully:

• Team Leadership and Management:
  • Lead Business Lendings portfolio management team members by establishing performance expectations and accountability standards
  • Oversee development training workflow and scheduling to meet individual and team goals
  • Monitor and track productivity and efficiency of each team member identifying needs for training and development
• Portfolio Management:
  • Monitor and manage watch lists problem loans and delinquent loans for all of Business Lending
  • Responsible for the credit quality of the Business Lending Portfolio
  • Structure and review loan modification requests to ensure accurate and quality analysis
  • Implement processes for review and retention of all loan files and documents pre- and post-closing
  • Administer maintain review analyze monitor and track overall portfolio performance identifying trends and areas of focus for management
  • Oversee annual loan review processes
• Exams Compliance and Reporting:
  • Partner with leadership for preparation for all exams reviews and audits including NCUA ONES exams internal audits external reviews and SBA audits
  • Collaborate with management to ensure compliance and consistency in practices and procedures for the Business Lending team Special Assets and Compliance
  • Maintain proficient knowledge of core and LOS systems ensuring all portfolio loans are accurately booked and maintained
  • Develop and maintain internal reporting to monitor progress of requests through the modification and renewal phases
  • Oversee all reporting for Business Lending including production incentives delinquency portfolio management concentration risk ratings modifications and other key metrics
  • Develop and maintain compliant reporting as required for CECL CFPB and other regulatory bodies
• Loan Participations:
  • As directed manage loan participations ongoing monitoring and management of the participated loans set and ensure adherence to participation procedures and collaborate with sales teams on new participation opportunities
• Vendor and Budget Management:
  • Monitor performance of and maintain lists of approved vendors relevant to portfolio management functions
  • Ensure the team operates within established budgets policies procedures practices and regulations
• Collaboration and Communication:
  • Promote open communication among all areas affected by portfolio management including sales underwriting closing and construction teams
  • Serve as a source for coordination and delivery of information requested by reviewers examiners and auditors
  • Advise team management on key areas of opportunity and need for process improvement employee development and overall team progress
  • Partner with the Talent and Development team to develop and implement processes to maximize compliance process changes and professional development for the team
  • Collaborate with finance team on participated business loans
• Other duties as assigned

KNOWLEDGE SKILLS and ABILITIES

The requirements listed are representative of the knowledge skills and/or abilities accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience

• 5 years of progressive experience in a financial environment. Demonstrated experience in small business lending real estate lending commercial lending construction lending and related loan products preferred.
• 1-2 years of leadership experience. Significant business-related experience preferred.

Education

Bachelors degree from an accredited institution in business marketing finance economics or related field. A masters degree in business or finance preferred. Education will be verified. Four years in a progressive financial setting may be substituted for a relevant degree.

Licenses Certifications Registrations

None

Managerial Responsibility

Has leadership responsibilities that are direct or through other team leaders typically with a subordinate group of 6-10 team members and multiple organizational and cross-functional structural and personnel needs and assigns work to meet those coordinates and reviews the work of assigned staff. Determines goals to be reached and leads the achievement of goals. Recommends candidates for employment conducts performance evaluations and salary reviews for staff and applies company policy.

Computer/Office Equipment Skills

• Advanced skills with Microsoft Office Suite including Outlook Word PowerPoint and Excel
• Experience with analytical and reporting software and loan origination systems
• Knowledge of credit bureau systems and financial calculators

Language Skills

• Demonstrated ability to clearly express ideas methodology results and recommendations verbally in writing and through insightful reports and graphic illustrations
• Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders and all levels of the organization

Other Skills and Abilities

• Extensive knowledge of Federal State SBA and NCUA regulations and other guidelines pertaining to business lending
• Maintain in-depth understanding and knowledge of financial statement principles and analysis (income statements balance sheets and cash flow analysis etc.)
• Excellent inter-personal skills including the ability to lead and collaborate with ad-hoc teams
• Self-starter with strong organization and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines
• Adaptive to change responds positively to altered circumstances or conditions
• Possess a desire and willingness to learn and continually update knowledge of financial concepts strategies systems etc.
• Demonstrated judgement skills to make quick decisions within or outside written policy and procedures
• Demonstrated knowledge of review and negotiation of corporate contracts and agreements with complex terms and conditions
• Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies
• Unquestioned personal and professional integrity

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit talk and hear consistently

Ability to stand walk and use hands to handle or reach occasionally

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Weight Lifted or Force Exerted

Ability to lift up to 10 pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers

#LI-FW1

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.