Senior Business Advisor (Commercial Lending Officer)

Overview To provide advanced business consulting services to assist members and non-members with identifying their business lending goals and objectives. Acts as a catalyst for the promotion and growth of Navy Federal Business Solutions products and services. Recommends appropriate lending, deposit, Treasury Management and investment products and services to achieve the membersu2019 goals. Manages moderate to high-dollar volume and moderate to complex member bases. This position is eligible for TalentQuest employee referral program. If an employee referred you for this job, please apply using the system-generated link that was sent to you. Responsibilities + Independently source and originate new commercial loans + Provide subject matter expert consultative services primarily through via inbound and outbound calls to understand the membersu2019 financial needs and goals and educating members regarding products and services offerings + Accountable for managing an established book of business, including growing the portfolio, developing and maintaining relationships and increasing member engagement both nationally and within a determined locality + Analyze book of business, portfolios and interactions to determine new business opportunities with prospective and established members with larger portfolios and complex credit needs + Provide strategic financial guidance and solutions for complex transactions and refer members to outside resources as appropriate + Champion Business Solutions, driving awareness across the enterprise of products, service and referral program, establishing potential pipelines + Prepare and present highly detailed and complex credit memos to the appropriate levels of management to include the credit committee + Ensure completion of annual documentation requirements to ensure accuracy and compliance with NCUA guidelines and Navy Federal policies and procedures + Mentor and provide guidance to junior business advisors, facilitating growth in lending product expertise and relationship management + Maintain knowledge of Navy Federal's field of membership and loan products & services + Represent Navy Federal with a positive and professional demeanor and contribute to a performance focused and team-oriented workplace Qualifications + Expert hands-on experience with commercial loan origination to include: CRE, C&I Lending, and SBA + Proven track record of independently sourced loan production in excess of $10MM annually + Significant experience working in a customer-facing role in commercial lending, preference for a larger financial service organization + Extensive hands-on experience in credit analysis, underwriting, deal structure, as well as writing and presenting detailed and complex credit memos to the appropriate levels of underwriting and/or credit committee + Advanced skilled with identifying potential prospects resulting in successful loan origination + Expert skill building effective relationships through rapport, trust, diplomacy and tact + Advanced research, analytical, and problem-solving skills + Advanced skill communicating accurately, clearly and concisely including presenting to staff and leadership teams + Advanced skill to influence, negotiate and persuade to reach agreeable exchange and positive outcomes + Expert skill actively guiding members through interactions to reduce member effort and enhance member loyalty + Expert skill applying lending principles, financial practices and evaluation of creditworthiness to make sound credit decisions + Advanced knowledge of mathematical principles + Advanced skill managing multiple priorities independently and/or in a team environment to achieve goals + Significant experience skill in applying lending principles, financial practices, and evaluation of creditworthiness to facilitate credit decisions + Bacheloru2019s Degree in Finance, Economics, Business Administration, or related field, or the equivalent combination of education, training and experience Desired Qualifications + Significant experience working in originating commercial loans for a Credit Union + Advanced knowledge of Treasury Management, SBA Lending, and Business Insurance + Significant experience developing, documenting and presenting credit analyses associated with business lending opportunities including commercial real estate (CRE), commercial and industrial (C&I), Small Business Administration, and NFIS referrals and/or GovCon + Experience with CRM software + Advanced knowledge Navy Federal loan programs, products, services, financing options Hours: Monday - Friday, 8:00AM - 4:30PM Location: 295 Bendix Road, Suite 250, Virginia Beach, VA 23452 About Us Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks. Our approach to careers is simple yet powerful: Make our mission your passion. u2022 Fortune 100 Best Companies to Work For 2025 u2022 Yello and WayUp Top 100 Internship Programs u2022 Computerworldu00ae Best Places to Work in IT u2022 Newsweek Most Loved Workplaces u2022 2025 PEOPLEu00ae Companies That Care u2022 Newsweek Most Trustworthy Companies in America u2022 Military Times 2025 Best for Vets Employers u2022 Best Companies for Latinos to Work for 2025 u2022 Forbesu00ae 2025 America's Best Large Employers u2022 Forbesu00ae 2025 America's Best Employers for New Grads u2022 Forbesu00ae 2025 America's Best Employers for Tech Workers u2022 2025 RippleMatch Campus Forward Award Winner for Overall Excellence u2022 Top Military Spouse Employers 2025 u2022 2025 Handshake Early Talent Award From Fortune. u00a92025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union. Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law. Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status. Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring teamu2019s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page ( of the Navy Federal Career Site. Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process. Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act. REQNUMBER: 28993

Created: 2026-03-04