Commercial Loan Officer (C&I)

We offer an extensive and highly supportive branch network, competitive products and pricing and exceptionally strong local operational support to help you achieve your business development objectives. Responsibilities Develop a prospect list of new clients and engage in consistent business development activities to add new customer relationships. Call on existing customers to develop new business and increase or retain relationships. Develop and service a wide variety of secured and unsecured loans or lines of credit ranging from $5mm to $75MM in credit exposure. Guide the credit department or junior officers in the analysis of credit opportunities and the development of appropriate credit approval request documents. Establish and recommend appropriate loan structures, products and terms within established lending limits, with manager input. Monitor current loans and credit lines within your assigned portfolio, with assistance from the Portfolio Manager, to ensure compliance with loan terms and bank policies. Attend to the needs of customers seeking loans or lines of credit on terms that involve significant amounts of unsecured funds and/or credit secured by mortgages or other collateral. Interview applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. Make decisions on loans and terms within established lending limits, or make recommendations to a superior. Follow current loans and credit lines to ensure complete compliance with terms. Give financial advice and counsel to customers and prospective customers. Study industrial, commercial, and financial situations relating to new or existing businesses. Make recommendations on financial and organizational structure, locations, and other matters on which the company may have information. Participate with senior officers on larger loans and lines. Keep informed as to the status of loans in the department. Required Skills Advanced sales and marketing skills Understanding and proficiency in working with credit legal documentation Demonstrated ability to review and evaluate documentation for risk Experience with regulatory, compliance and due diligence requirements Continuously update job knowledge by participating in educational opportunities Understanding of bank operations and familiarity with the credit process Strong organizational, reasoning and communication skills Self‑motivated and independent with the ability to multitask, balance a demanding workload and meet critical deadlines PC skills including Word, Excel and PowerPoint Ability to establish and maintain effective working relationships Required Experience Five or more years of credit analysis and portfolio management experience Three or more years of middle market commercial lending experience, strong credit skills and a record of success in developing, maintaining and closing new business Ability to utilize deductive and inductive reasoning to solve problems Ability to understand new information and apply it for future problem‑solving and decision‑making Our goal is to offer our colleagues the most generous benefits package possible. We strive to provide colleagues with a comprehensive benefits package and an environment that supports a healthy work‑life balance. Benefits include: Competitive compensation with performance incentive awards, Health Insurance, Dental Insurance, a 401K and DC Plan for your retirement, LTD & Life Insurance, Vacation Time, Day Care Reimbursement, Tuition Assistance for graduate and undergraduate programs, an Award Winning Wellness program and much more! At Rockland Trust you'll find a respectful and inclusive environment where everyone is given the chance to succeed. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. #J-18808-Ljbffr Rockland Trust Company