Business Services Officer

Job Description

Join Our Team as a Business Services Officer

441 N. Ellsworth Rd. Box Elder| Full-Time (40 hours/week)

Are you a relationship-focused lending professional who enjoys working with businesses, analyzing financial information, and helping members find the right financial solutions? Do you thrive on building strong relationships while using sound judgment to make informed lending decisions? You might be just who we need.

Sentinel Federal Credit Union is looking for an experienced and knowledgeable Business Services Officer to join our Business/Commercial Lending team. In this role, you will serve as a primary contact for members with business lending and depository needs while developing and expanding relationships with both current and potential members.

This position offers the opportunity to make a meaningful impact through business development, commercial lending, relationship management, and portfolio oversight. You’ll work closely with members and lending professionals to evaluate credit opportunities, structure loans, maintain strong relationships, and support the continued success of our Business/Commercial Lending team.

If you enjoy connecting with people, solving complex financial challenges, and using your lending expertise to help businesses succeed, this may be the right opportunity for you.

Pay Range

• Starting pay $65,000-$120,000/year plus bonus incentives

At Sentinel, our core values are what guide how we work, support one another, and serve our members. As an organization, we are Sentinel STRONG, and in this role, you will help promote those values every day.

Serve by building strong relationships with business members and providing responsive, knowledgeable, and personalized service that helps meet their lending and financial needs.

Trust by providing reliable guidance, following through on commitments, maintaining accurate loan documentation, and making sound lending decisions that members and the Credit Union can depend on.

Respect by developing professional relationships with members, business partners, coworkers, and community contacts through clear communication, collaboration, and a genuine understanding of their needs.

Ownership by taking responsibility for the success and quality of your business relationships and commercial loan portfolio, proactively addressing concerns, following through on commitments, and looking for opportunities to improve.

Nimble by adapting to changing member needs, market conditions, lending standards, and business opportunities while remaining responsive and solutions-focused.

Guardianship by protecting the financial health of Sentinel and its members through responsible lending practices, thoughtful risk assessment, sound credit decisions, regulatory compliance, and careful management of the commercial loan portfolio.

Why You’ll Love Working at Sentinel

We invest in our people—because when our employees thrive, our members do too.

Benefits That Actually Matter

• Medical, Dental & Vision Insurance
• Dependent Care & Medical Flex Spending Accounts
• Life Insurance & Long-Term Disability
• Employee Assistance Program (EAP)

Time Off & Perks

• 3 weeks of paid time off per year
• Paid holidays & personal days
• Paid volunteer hours
• Inclement weather pay

Growth & Development

• Paid professional development and networking opportunities
• Mentorship program
• Professional book reimbursement
• Strong commitment to internal promotion and career growth

What You’ll Do

• Develop new business banking opportunities and relationships through community involvement, networking, and exceptional service to current and potential members.
• Serve as a trusted resource for members with business lending and depository needs.
• Collect, evaluate, and analyze commercial loan requests involving a variety of corporate and financial structures to determine eligibility and appropriate loan structure.
• Work directly with applicants to negotiate loan structures, including fees, repayment options, and other credit terms.
• Manage and monitor an existing commercial loan portfolio to help maintain asset quality and strong member relationships.
• Maintain accurate and up-to-date member files, including financial statements, tax returns, and required loan documentation.
• Participate in the collection process for commercial loans and work to develop revised repayment terms when appropriate.
• Prepare and present commercial credit memorandums to the Loan Committee, Chief Lending Officer, or CEO.
• Partner closely with Credit Analysts, Loan Processors, and other lending team members to support an efficient and effective lending process.
• Provide recommendations to management regarding product improvements and changes.
• Stay informed about lending standards, legal requirements, local real estate trends, and competitive market conditions.
• Take on additional responsibilities as needed to support the Business/Commercial Lending team.

Who You Are

• At least 18 years old.
• High School Diploma, GED, or equivalent required.
• Minimum of five years of direct experience required.
• Bachelor’s degree or higher preferred.
• Valid driver’s license.
• Strong knowledge of lending practices, financial analysis, and commercial credit.
• Familiarity with credit union products, services, policies, procedures, and service philosophy.
• Strong understanding of lending standards, applicable legal requirements, and local market trends.
• Strong analytical and problem-solving skills with the ability to evaluate financial information and develop appropriate lending solutions.
• Excellent verbal and written communication skills, with the ability to clearly explain complex information.
• Highly organized and able to manage multiple member needs, priorities, and deadlines.
• Able to maintain confidential records and handle sensitive financial information appropriately.
• Professional and personable, with the ability to build and maintain strong relationships with members, coworkers, and business partners.
• Able to work independently, exercise sound judgment, take initiative, and resolve problems effectively.

What We’re Really Looking For

You’re someone who:

• Enjoys building genuine, long-term relationships with business members and community partners.
• Has the confidence and expertise to evaluate complex financial information and make sound lending recommendations.
• Thinks beyond the individual loan and looks for ways to understand the member’s overall financial needs.
• Communicates clearly, professionally, and confidently with members, applicants, management, and lending partners.
• Takes ownership of the lending process and follows through from the initial member conversation through ongoing portfolio management.
• Is comfortable balancing business development and relationship management with responsible credit decisions.
• Pays close attention to details and understands the importance of accurate documentation, compliance, and portfolio quality.
• Is proactive and willing to seek out new business opportunities while continuing to provide exceptional service to existing members.
• Works collaboratively with Credit Analysts, Loan Processors, and other lending professionals while bringing independent judgment and expertise to the team.
• Is adaptable, organized, and able to prioritize competing member needs while maintaining a high level of service.
• Represents Sentinel professionally and takes pride in contributing to the financial success of our members and the Credit Union.

How to Apply

Ready to take the next step?

Email your resume to hr@sentinelfcu.org or apply directly through our careers page.

We’re excited to meet you!