STCU is a growing regional credit union that is consistently rated one of  the top-performing credit unions in the nation, and have been named as one of Fortune Magazine’s Great Places to Work. We look for employees who have a strong desire to serve others, are lifelong learners, committed to working hard, have a fun-loving attitude, and want to make a  difference in our members’ lives. We love people who share our passion for integrity, service, innovation, education, people, and celebration.

STCU offers excellent benefits:

• Paid Time Off
• Ten paid holidays
• Health Plan – Medical, Prescription Drug, Dental, and Vision
• Short Term Disability Insurance
• Life and Long Term Disability Insurance
• 401(k) Retirement Savings Plan
• Training and Development Programs
• Credit Union-wide semi-annual success sharing plan

The Business Banking Officer I is an integral part of the overall Commercial and Business Services delivery and is key to the growth and promotion of the STCU business member portfolio. The position is primarily responsible for establishing and developing new member business loans and deposits and expanding cash management products to existing members as well as new prospects.  The Business Banking Officer I approves/originates business loans and member service to members with credit needs less than $250,000. This position supports our North Idaho Branches.

Principal Accountabilities
Business Development

• Provide outreach to existing and potential members.
• Partner with branch staff to assist business members and to coach/train branch staff on products and services offered by Commercial and Business Services.
• Develop a high value business prospect list.
• Schedule face to face contact with prospects and convert to new business members.
• Identify, develop and market all applicable Commercial and Business Services products and services to existing and prospective member business owners.
• Manage business relationships through consistent communication with business owners to assess their level of satisfaction with STCU and to determine further needs. 
• Develop and maintain partnerships with STCU Community Development/Community Relations Departments.
• Participate in community oriented organizations and activities to promote STCU and Business Services.

Member Development and Business Loan Production

• Respond to and develop internal referrals from Branch and Contact Center partners.
• Proactively contact current business members to build deeper relationships.
• Partner with Branch staff and the Cash Management Officer to develop treasury management relationships.
• Build Business Banking lending portfolio utilizing the Retail Business Loans product and Accelerated Loan Approval Program (ALAP).

Portfolio Management

• Maintain knowledge of and adheres to STCU’s Member Business Loan policy, standards and procedures.
• Identify adequate terms, pricing and conditions for presentation to credit administration within established parameters.
• Work proactively to develop and maintain sound credit skills in cooperation with the Business Banking Manager and Commercial Credit Administrator.
• Refer members, as appropriate, to other STCU departments, including Commercial Lending, Investment Services, Cash Management, Card Services, Lending Center and/or Real Estate.

Knowledge, Skills and Abilities

• Bachelor Degree in Business Administration, Finance or related field required or an equivalent combination of education and experience.
• Minimum three years in a financial institution with experience working with business clients.
• Minimum three years successful sales experience in a production environment (deposits, cash management products, business lending).
• Proficient knowledge of MS Office programs including Outlook, Word and Excel.
• Previous experience in keyboarding/PC and 10-key calculator.
• Strong written and verbal communication skills.
• Strong interpersonal skills required, including maintaining positive relationships and excellent customer service skills.
• Ability to work effectively and collaboratively in a diverse work group, as well as independently with minimal supervision.
• Ability to adapt to changes and prioritize and manage competing demands.
• Ability to read, analyze and interpret data and understand and communicate complex and diverse information, and effectively present information and respond to questions from groups of managers, clients, and the general public.
• Ability to solve practical problems and deal with a variety of situations exercising flexibility and sound judgment in a fast-paced environment.
• Ability to make practical and timely decisions and explain reasoning for decisions.
• Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Strong work ethic required, including the ability to complete duties on time, consistently arrive at work on time as scheduled, and ability to work flexible hours and overtime as needed. 

Physical Abilities

• Must be able to regularly talk, hear, and operate a computer keyboard and mouse.
• Occasionally lift, pull/push, and carry up to 10 pounds.

Work Environment

• Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting.
• Exposure to high-stress, fast-paced, deadline-oriented environment.

Please review our website for more information at www.stcu.org/careers.