Commercial Loan Officer

Job Description Job Description Summary: Reporting to the Senior Lending Officer, this seasoned commercial lending position will be responsible for assessing, approving and managing loans for commercial real estate entities, developers, contractors and builders and businesses. The candidate will develop new business, underwrite and structure commercial loans of all types, while managing an existing portfolio. The candidate will represent the Bank in the local market through active participation in community affairs and will participate in marketing all Bank products and services. Essential Duties and Responsibilities: Meet with applicants and assess and process new loan applications while reviewing and analyzing business and personal financial statements, credit histories, existing customer repayment histories and overall Bank relationship and any other relevant information to determine creditworthiness. Negotiate terms and conditions of prospective loans and review collateral adequacy while aligning both customer needs and the Bank’s risk policies. Advise prospective and existing customers on the various Bank loan offerings while working with customers throughout the application process. Present new loan offerings and other reports as necessary to the appropriate loan authorities within the Bank. Manage existing portfolio relationships including assisting customers with reaching goals, annual reviews, delinquent loans, classified/non-performing loans, loan charge-off recommendations and ensuring the overall quality of the individual portfolio. Business development to include new customer prospecting, managing and developing new business with existing relationships while cross selling all Bank products in support of individual portfolio goals and overall Bank strategic growth. Collaborate with and guide Credit Administration with underwriting and loan documentation while preparing loan proposals and recommendations for management review. Preparation of portfolio reports and communication of market knowledge for management in support of strategic decisions. Ensure compliance with all federal and state regulatory requirements, internal policies and procedures and adhere to confidentiality and Code of Conduct requirements. Active with community affairs to include sitting on local Boards of Directors and attending various community events. Publicly represent the Bank in a positive and professional manner at all times. Participate on committees as assigned. Perform any other related duties as required or assigned. Job Qualifications: Bachelor's degree in business, finance, economics or related field is required. Equivalent experience and/or education are acceptable. Five plus years of direct experience in financial institutions including construction and commercial real estate lending. Demonstrated understanding of federal and state banking regulations and laws. Extensive knowledge of and experience with commercial real estate lending as well as financial institution policies and procedures. Extensive knowledge of and experience with construction lending and construction management as well as financial institution policies and procedures. Extensive knowledge of and experience with commercial and industrial lending as well as financial institution policies and procedures. Solid sales, organization and analytical skills. Demonstrated successful business development experience in both commercial lending and retail banking. Self‑motivated, independent worker with the ability to develop sound relationships across all banking lines with the ability to be flexible and adaptable to change. Must be detail‑oriented, computer literate; possess strong organizational and interpersonal skills including verbal and written communication skills. #J-18808-Ljbffr Haverhill Bank