Job Description

Job Description

The Company

Firstmark Credit Union is a member-owned, locally controlled, not-for-profit financial cooperative with a proud legacy rooted in education and community service. Founded in 1932 by ten visionary teachers during the Great Depression, Firstmark was originally chartered as the San Antonio Teachers Credit Union—the first state[1]chartered credit union in San Antonio. Operating initially from Fox Tech High School, the credit union began with just $475 in assets and 40 members.

Over the decades, Firstmark has grown significantly, expanding its membership beyond educators to serve anyone living, working, or attending school in Bexar County and surrounding areas. In 2002, the organization rebranded to Firstmark Credit Union to reflect its broader community reach. Strategic mergers with Southside Credit Union in 2013 and St. Joseph’s Credit Union in 2015 further expanded its footprint and helped surpass $1 billion in assets.

Despite its growth, Firstmark remains deeply committed to its educational roots, offering scholarships, educator awards, and financial literacy programs. The credit union actively engages with the community through initiatives like fundraising for local children’s hospitals and partnerships with organizations such as SAYouth to support at[1]risk youth.

Today, Firstmark serves nearly 100,000 members across 12 branches, offering modern financial services including online and mobile banking, a vast ATM network, and participation in the Allpoint network. Governed by a volunteer board elected from its membership, Firstmark continues to prioritize member needs, financial education, and long-term stability—living its founding philosophy of 'People Helping People.'

Firstmark’s shared values—Happy, Helpful, Honest, Humble, and Hungry (Driven)—guide its culture and commitment to service. These values shape how the organization supports its members, collaborates internally, and builds lasting relationships in the community.

Key Pointers:

• Inherit a Strong Portfolio with Growth Potential: The CLO will take over a well-established $125M commercial real estate portfolio with approximately 100 existing relationships, providing a solid foundation for immediate impact and long-term growth.
• Lead CRE and Expand into C&I Lending: While the role is primarily focused on commercial real estate, Firstmark is eager to expand into commercial & industrial (C&I) lending, offering the CLO a chance to shape and diversify the portfolio.
• Be the Main Producer with Strategic Influence: This is a high-visibility role with the ability to develop lending opportunities around the state of Texas. The CLO will be the primary commercial lending producer, reporting directly to the SVP of Business Banking, and will collaborate with senior leadership on strategic initiatives.
• Operate with Autonomy and Underwriting Authority: Firstmark does not have an in-house underwriting team but is part owner of a business lending CUSO that performs a number of functions. Loans are approved by committee, so the CLO must bring strong credit analysis and deal structuring skills and be comfortable working independently.
• Join a Mission-Driven, Values-Based Organization: Firstmark Credit Union is deeply rooted in education and community service, guided by shared values: Happy, Helpful, Honest, Humble, and Hungry (Driven). The CLO will be part of a culture that prioritizes member impact over profit.

The Opportunity

Position: Commercial Loan Officer

Location: San Antonio, TX

Reporting Relationship: SVP, Business Banking

Website:

Purpose of the Position

The Commercial Loan Officer plays a pivotal role in advancing Firstmark Credit Union’s mission of community focused financial empowerment. This position is responsible for managing and expanding a well-established commercial loan portfolio, with an emphasis on commercial real estate and a strategic push into commercial and industrial (C&I) lending. As the primary producer in a lean, collaborative environment, the CLO will lead relationship development, loan origination, and portfolio growth efforts.

Success in this role requires a strong foundation in credit analysis, deal structuring, and underwriting—loan decisions are made by committee when above set individual lending authorities. The CLO may also contribute to broader organizational initiatives, including identifying real estate opportunities. This is a high-impact opportunity for a driven, community-oriented professional to shape the future of commercial lending at a values-based institution.

Key Responsibilities

Role Requirements

• Manage and grow a diverse commercial loan portfolio, including real estate acquisition, refinance, land, construction, renovation, vehicles, equipment, working capital lines of credit, and commercial credit cards.
• Inherit and maintain a $125MM commercial loan portfolio with ~100 relationships, while developing new business opportunities.
• Independently structure and underwrite commercial loan deals, in collaboration with CUSO underwriting team, ensuring alignment with NCUA and FMCU compliance standards.
• Partner with Treasury Management Officer for networking, referral, and cross-sell opportunities.
• Maintain accurate loan documentation and tickler systems for ongoing financial and non-financial tracking.
• Recommend enhancements to lending procedures through continuous analysis of current practices.
• Represent Firstmark Credit Union professionally in all internal and external engagements.

The Candidate

Experience and Professional Qualifications

Qualifications:

• Minimum of 2 years of experience in commercial lending and underwriting.
• Proven experience in credit analysis, financial modeling, and deal structuring.
• Ability to analyze financial statements and business conditions to make defensible lending decisions.
• Strong interpersonal and business development skills to build and maintain professional relationships.
• High level of integrity, tact, and customer orientation, with frequent senior-level interactions.
• Comfortable working independently and managing multiple projects in a dynamic environment.
• Proficiency in Microsoft Office Suite and ability to quickly learn new systems.
• Working knowledge of NCUA and State compliance laws, regulations, and Firstmark policies.
• Alignment with Firstmark’s shared values: Happy, Helpful, Honest, Humble, and Hungry (Driven).

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