Commercial Loan Officer II or III

Are you an experienced Commercial Loan Officer with a strong commitment to member service? In this Commercial Loan Officer II or III role, you'll use your lending expertise to originate and offer commercial loan products that support our members' financial well-being. It's a great opportunity for someone who enjoys collaboration and building strong member relationships. Ready to learn more!

Your day might include:

• Originating, evaluating, negotiating, underwriting, and preparing new Member Business Loan applications, with a strong emphasis on commercial real estate and commercial C&I lending
• Serving as the primary point of contact for developing new Member Business relationships throughout Washington, Oregon, and Idaho building and maintaining a strong referral and business network
• Conducting comprehensive credit analysis by compiling, analyzing, and verifying financial statements, tax returns, collateral documentation, and other relevant information to structure sound lending solutions
• Interviewing loan applicants to assess creditworthiness and business viability; clearly communicating loan structures, pricing, terms, collateral requirements, and approval conditions
• Presenting well-structured loan recommendations to management and/or the Commercial Loan Committee and communicating approval conditions to members
• Ensuring loan packages are completed, accurate, and compliant with internal policy and regulatory requirements prior to closing
• Adhering to fraud prevention protocols, HMDA requirements, and all applicable federal and state regulations governing commercial lending
• Utilizing lending systems to processing, closing, and maintaining loans while ensuring data integrity and confidentiality of member information
• Proactively managing a portfolio of commercial loans by maintaining ongoing relationships with members, monitoring credit performance, identifying risk, and resolving post-closing issues to maintain portfolio quality
• Providing exceptional member service by responding promptly to inquiries, explaining credit decisions professionally, and delivering a high standard of relationship management
• III, designing and structuring complex loan transactions, including tailored terms and covenants, to mitigate risk to the organization
• III, mentoring and supporting junior lenders.
• III, providing insight into portfolio strategy and risk trends

What you bring to the team:

For Commercial Loan Officer II:

Competitive pay: $ $105,329.03/annually plus commissions, plus an annual discretionary incentive plan

• Bachelor's degree in business with an emphasis in accounting, finance and/or economic courses. Relevant experience may be substituted year-for-year for the education requirement
• Minimum three (3) years of relevant commercial lending sales experience
• Knowledge in loan documentation (application and closing)
• Knowledge of investor and commercial lending regulations
• Knowledge of business loan products

For Commercial Loan Officer III:

Competitive pay: $117,948.00/annually plus commissions, plus an annual discretionary incentive plan

• Bachelor's degree in business with an emphasis in accounting, finance and/or economic courses. Relevant experience may be substituted year-for-year for the educational requirement
• Minimum of eight (8) years of relevant commercial lending experience
• Knowledge in loan documentation (application and closing)
• Knowledge of investor and commercial lending regulations
• Knowledge of business loan products

Where we're located: 330 Union Ave, Olympia WA. Employee must reside and perform all work in the state of Washington. This is a work from home/hybrid position with the exception of occasional on-site training, meetings and specific organization events.

When you'd work: Monday through Friday 8:30 am to 5:30 pm, full-time minimum 40 hours per week, with scheduling flexibility to meet service needs for this position

Working from home/hybrid requirements:

• Reliable, high-speed home internet connection
• Private, confidential workspace, away from distractions and other people
• Suitable desk/surface and desk chair

Perks: Here are a few benefits and perks we offer:

• Medical, Dental, Vision, and Life Insurance with Premiums paid by WSECU
• Full-Time Regular employees accrue general leave and sick leave, on a monthly basis
• Part-Time employees accrue general leave, on a monthly basis
• 11 Paid Holidays
• Employer paid Long Term Disability & Long-Term Care plan for Full-Time employees
• Employer paid Long Term Care plan for Part-Time employees
• 401(K) with 8.5% Contribution by WSECU to begin 1st quarter after 1 year of service
• Paid Volunteer Leave
• Tuition Assistance
• Employee Assistance Program & Employee Discounts
• And, you get to work with some awesome people!

WSECU was named to the Forbes Best-In-State Credit Unionlist in 2025, making us the only credit union in Washingtonto earn this recognition five years in a row!

IND2

We champion our employees' unique differences because we believe diversity is critical to the success of our members and the communities we serve. We're proud to provide a workplace based on equality and do not discriminate based on race, color, religion, creed, national origin, ancestry, sex, age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity, marital status, or any other legally recognized protected basis under federal, state or local law.

Accommodations are available for applicants with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process, or are limited in the ability or unable to access or use this online application process and need an alternative method for applying, you may contact 360-754-2118 or email us for assistance.