Business Loan Officer - Northeast (Real Estate)

We are Jovia Financial Credit Union. Our name evokes a way of joy, a feeling of optimism, trust and “banking on the bright side”. We are a new kind of credit union, one that combines service and value with the convenience that today's technologies allow. Our friendliness and energetic spirit make it easy to do business with us. At Jovia, our dynamic, fast growing culture awaits- come see for yourself. 

Now with more than 3 billion in assets, 200,000 members, and 450+ employees, we attract the best and the brightest talent-- who do the right thing, present a can-do spirit in a culture of fun, fulfilment, advancement and development. Find your joy here, every day.

We give you:

• Competitive compensation with paid training
• Open communication and an amazingly positive staff
• Managers who value input from their employees—we believe in you!
• A friendly, inviting work environment
• Work that feels like a second home with family events hosted by Jovia!
• Leaders who are involved, transparent and coach you
• Professional development and a perfect atmosphere for learning
• Fun social activities to nurture creativity and teamwork
• Business casual dress with annual corporate gear allowance!
• Great benefits – Med/Dent/401K/pension, and tuition reimbursement and more (Full Time employees)
• School Loan Repayment & Gym Reimbursement (Full Time employees). New in 2020!
• Lots of growth and advancement potential
• A CEO with brilliant vision and aspiration

Want to know why we're so happy? Click here to learn and meet our CEO!

Check us out on YouTube to learn about Life at Jovia and meet some of our awesome teammates by clicking here: 

https://www.jovia.org/life-at-jovia

What you will be doing:

• Build the Business Loan Portfolio according to the credit union's vision and goals by cultivating new business            opportunities in the local market, and evaluating opportunities presented through branch prospects and loan              participation partner networks.
• Manage Business Loan pipeline, with an emphasis on ensuring timely decisions and high quality communication with prospective borrowers.
• Partner with Underwriters and Portfolio Managers in monitoring existing portfolio, updating financial information in order to minimize risk from deteriorating financial conditions.
• Partner with Underwriters and Portfolio Managers in monitoring existing portfolio for maturing loans, delinquent        accounts, and the issuance of annual audit reviews.
• Create opportunities for expanding the existing business member relationship by determining additional products and  services for both the member's business and personal needs.
• Evaluate methods that are successful for building business loan portfolio and recommend changes, as needed. Assist in setting annual business goals.
• Effectively utilize consultative selling techniques to sell credit union products and services to business account members.
• Explain to members the different types of loans that are available and facilitate negotiation of loan structure, including fees, loan repayment options and other credit terms.
• Follow up on business loan leads that come through the various channels of the credit union. Attend various branch department meetings to address any concerns and provide insight into business lending that will enable them to grow business lending.

What we need from you:

• College degree preferred. Formal credit training with 5-8 years of Business Lending experience. 
• Established book of business with COI Network in any of the following areas: South Jersey, Philadelphia, Baltimore or Washington, DC.
• Demonstrated knowledge of business credit underwriting, including analysis of appropriate financial information.
• Well developed leadership, communication, and organization skills. Professional appearance and demeanor.
• Strong sales and service orientation to cultivate business relationships in meeting business lending goals.
• Capacity to work flexible schedule that accommodates brand promotion, such as networking and community event participation.
• Ability and willingness to travel independently to prospective business member locations.
• Excellent communication and presentation skills, both written and spoken
• Proficient PC skills; MS Word, Excel and applicable software.

Work From Home Requirements:

• Internet speed of 100mbps or higher required (you can test this by going to www.speedtest.net)
• Able to dedicate a quiet space for daily work that is free of sound interruptions.
• All equipment will be provided by Jovia (Computer, Monitor, Headset)

Be part of a growing not-for-profit organization where People are Everything—You are important to us. Help our members meet their financial goals and achieve their dreams. Let's talk!

At Jovia, we celebrate innovation, diversity, teamwork, excellence, and integrity. We are an equal opportunity employer and offer competitive compensation and benefits packages to recruit, retain, and reward top talent. We would like to be your partner in success and happiness!

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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