Commercial Banker I or II

Androscoggin Bank•Portland, ME

68d

About The Position

Commercial Banker I or II (Portland or Lewiston) Androscoggin Bank, a values driven, mutual savings bank based in Lewiston, Maine, has an opening for a Commercial Banker to join our team. Our culture is one where we work collaboratively with clients and business partners to answer questions and assist in arriving at the most effective and efficient resolution to reasonably comply with regulatory requirements and do what is right for the client. The difference here is the great team you will work with and the ability to work in a local business with local decision making-where employees and clients come first! In keeping with our client first purpose, our ideal candidate will understand the needs of our client and community goals and have experience as a Commercial Banker. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals to perform the essential functions.

Requirements

Bachelor's degree (B. A.) from four-year college or university; or five to ten years related experience and/or training; or equivalent combination of education and experience.
Requires a minimum of 1 year of Commercial Lending experience
Requires a minimum of 3 years of bank lending experience.
Requires a minimum of 1 year of Credit Analysis experience
Proven business development capabilities
Represents bank in professional manner
Ability to cross-sell other bank products and services
Willingness to travel and work a flexible schedule to meet customer needs
Must have a valid drivers license
Proven communication and interpersonal skills.

Responsibilities

The Commercial Banker develops, retains and services a loan portfolio in excess of $50 million dollars with a goal of reaching $65 million dollars. This may vary based upon the composition of the portfolio, e.g., number of clients, commercial real estate, C&I, etc.
Establishes, and negotiates where necessary, terms under which credit will be extended, including the costs, repayment method, and schedules and collateral requirements.
Interviews loan applicants and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
Develops new business by contacting prospects and customers, cross-sells bank services including: DDA and savings accounts, cash management services, trust & investment services and residential mortgage loans.
Serves as a contact officer for non-borrowing accounts and loan customers for matters relating to other bank services.
Collects and analyzes information that reflects the current creditworthiness of customers and the current status of existing loans. May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, and other means.
Monitors loan repayment activities with all accounts in their portfolio and takes necessary action to collect from past-due accounts.
Attends and makes recommendations to Management Credit Committee, and when appropriate to Problem Loan Committee on delinquent or adversely rated credits. Manages delinquent credits in tandem with the Collections Department.
Advises customers, when appropriate, concerning business management and financial matters.
Develops material for and makes loan presentation to the loan committee where required.
Participates in community affairs to increase the bank's visibility and to enhance new business opportunities.
Makes joint calls with Branch Managers, Treasury Management Officers, Investment Officers or other bank personnel as needed to cross promote bank products.
Makes calls and establishes relationships in line with Community Reinvestment Act guidelines.
Complies with all banking related laws and regulations communicated to the employee through training and/or written correspondence and those requirements reflected in the Bank's policies and procedures applicable to the employee's duties and/or areas of responsibility. Protects all customer information and institution assets and complies with privacy and acceptable use policies.
Undertakes special projects relating to departmental services as assigned by the Director of Commercial Lending.

Benefits

This position carries great benefits, including paid time off, holiday pay, 401k participation with a generous match (we put money in your 401k even if you don't!), and access to Androscoggin Bank's full insurance benefit package (medical, dental, vision, life, and disability).
Androscoggin Bank offers paid parental leave to our employees, which grants new mothers and fathers six weeks of full pay!
We also provide paid volunteer time to all employees.
Androscoggin Bank is committed to supporting employee development, and employee benefits include tuition and education reimbursement.
Project teams, committees, events, in-house education, and more.

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