Business Banker IV

OneAZ Credit Union
paid time off, paid holidays, sick time, tuition reimbursement, 401(k)
United States, Arizona, Phoenix
Mar 29, 2025
Join Us in Making an Impact At OneAZ Credit Union, our success is measured only by yours. We're here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters-you've found it! Who You Are You're impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for your success and thrive in an environment where curiosity is celebrated. If this sounds like you, let's build something great together. What You'll Do The Business Banker IV maintains a professional image and working knowledge of all products and services while representing the credit union. The role communicates the benefits of products and services to current and prospective business members to develop and maintain long-term relationships. The Business Banker IV enhances the growth and profitability of business loans, deposits, and ancillary services. The role provides input to the VP of Business Services on potential new products and/or trends in the industry, acts as a liaison between credit union departments, and operates within the credit union's prescribed credit authority and risk tolerance. The Business Banker IV examines and evaluates preliminary credit requests and assesses credit quality, prepares formal credit requests, and authorizes or recommends approval of member applications for business loans. The Business Banker IV maintains a thorough knowledge of and compliance with credit union policies and procedures and federal and state rules and regulations. Follows a program of conducting scheduled sales calls and site visits, documenting all calling activity in the client management system. Develops and manages a loan portfolio of credits with greater complexity, value and risk. Develops and manages a deposit portfolio to include selling and maintaining cash management relationships and merchant services. Consultatively interviews applicants and provides timely follow-up to answer questions, gather credit and financial information and obtain credit reports for loan requests. Seeks out and delivers results-oriented sales presentations to procure sales of business loan, deposit and ancillary services to credit union members and prospects. Prepares comprehensive analysis and underwriting of credit and financial risk in order to recommend appropriate loan structure and risk rating. Effectively represents the credit union's interest in negotiating loan terms and conditions with borrowers. Provides documentation review of all loan documents for accuracy, prior to closing. Works with associates/leaders staff and internal departments on joint calling activity. Cross-sells all other credit union products and services, providing referrals to those respective areas, as appropriate. Networks with centers of influence and participates in community involvement activities to perpetuate business development and promote the credit union brand. Actively solicits new loan requests from existing business members and prospects. What You Bring High School Diploma required. Bachelor's Degree in finance preferred. 10 to 15 years of similar or related experience. commercial lending required. Proven ability in commercial lending including Commercial and Industrial lending, Equipment financing and Owner Occupied and Investment Commercial Real Estate lending. Proven ability in sales industry and relationship management. Familiarity with banking industry. Strong written, verbal, and presentation communication skills. Knowledge and experience with office suite software (e.g., Microsoft Outlook, Word, Excel, PowerPoint). Strong attention-to-detail, organization, and multitasking skills. A passion for people, innovation, and growth. Not sure if you meet every requirement? That's okay. We believe great talent comes from all backgrounds and experiences. At OneAZ, we value potential, passion, and purpose. If you're excited about this opportunity and believe in our mission, we encourage you to join our Talent Community Compensation & Benefits Generous paid time off: 10 paid holidays, 2 floating holidays, 6 personal days, 10 vacation days, plus sick time Low-cost Medical, Dental & Vision plans - as low as $5 per pay period Paid childcare assistance (up to $96 per pay period) Award-winning 401(k) 5% discretionary match - fully vested from day 1 100% Gym fee reimbursement up to $75/month 100% Tuition Reimbursement Up to $5,250 $1440/yr student loan repayment ...and much more. Explore all the details in our comprehensive Benefits Booklet Target hiring range $110K-$138K (Depending on experience and prior to any incentives this position is eligible for) Why Join OneAZ? At OneAZ, we're not just a credit union; we're a financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We exist to clear the way for dreamers and doers, aspiring to be the bank for new pioneers. We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you'll be part of a team committed to exceeding expectations and redefining what's possible. Additional Notes: Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws. Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC). This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.