John Sanabor

Commercial Relationship Officer @American Heritage Credit Union

Specializing in providing financing up to for commercial/business members through a wide range of lending products including construction, multi-family, retail, mixed-use, industrial and office. My responsibilities include: • Generating a Member Business Loan Portfolio by accessing, profiling, and analyzing small businesses (Sales $500K-$10M) financial needs and propose customized packages of financial products. • Establishing and negotiating the terms under which credit will be extended, including the costs, repayment method, and collateral requirements. • Obtaining and analyzing necessary financial information to determine the feasibility of prospective borrowers and provide recommendations concerning further consideration of requests. • Providing necessary information to contract support agencies to obtain a full financial evaluation and rating of member and their credit request. This information is then evaluated to determine whether a presentation is to be prepared for the Vice President of Commercial Lending and/or Loan Committee of the Board. • Developing a presentation of the analysis prepared by the contract service for delivery to the Vice President of Commercial Lending and or the Loan Committee of the Board. • Preparing necessary forms for contract service to prepare loan documentation and represent credit union at loan closings. • Maintaining familiarity with small business and consumer loan and deposit products so that all member needs can be serviced. • Meeting with existing member business borrowers to evaluate their ongoing business to identify new opportunities or developing problems. Work with member who are experiencing problems resulting in credit delinquency. • Developing a network of relationships that will provide entrees to the development of new members and lending opportunities. • Participating in community affairs to increase the credit union visibility and to enhance new business opportunities.