Commercial Loan Officer II - Cape Cod

BankFive•Fall River, MA

11h•$106,990 - $181,880•Hybrid

About The Position

Assumes responsibility for creating and maintaining quality and profitable loan, deposit and service-oriented relationships with small to middle market organizations and individuals within the Bank’s Cape Cod territory. Achieves sales goals while maintaining good loan quality. Provides excellent customer service to borrowers and makes referrals to other areas of the Bank.

Requirements

Bachelor’s degree, preferred, or equivalent training experience
Minimum of five years of commercial lending and business development experience
Formal Bank credit training
Extensive accounting/lending knowledge
General computer literacy
Advanced verbal and written communication skills
Able to meet strict deadlines
Ability to work with changing priorities for multiple, simultaneous projects
Ability to follow written and verbal directions
Requires occasional lifting/carrying equipment/boxes of up to 30 pounds within work area
Specific vision abilities required: close vision, distance vision, ability to adjust focus
Requires regular travel between main office and branches, and to customer meetings
Position requires a valid driver’s license and good driving record

Responsibilities

Develops and maintains prospect lists through contacts with accountants, attorneys and other centers of influence.
Participates in local community and civic organizations on behalf of the Bank in order to foster a positive image within the community it serves.
Cross-sells other Bank services to existing customers and initiates referrals as appropriate to other Bank personnel for follow up action.
Develops and implements a call program to customers, prospects and referral sources to create business opportunities for the bank.
Defines customer needs and completes all necessary sections of the Commercial Credit Memorandum.
Ensures ongoing compliance with the Bank’s policies.
Properly identifies exceptions and obtains proper approval.
Presents loans for approval and/or periodic review to the Executive Committee and Senior Management.
Maintains current information in credit files which includes business and personal financial information, detailed credit memos and direct correspondence to keep the reader informed of the status of the account.
Participates in planning and executing loan workout strategies with problem credits including working with attorneys and workout personnel.
Initiates, executes, and follows up on all loan documentation required to book a specific transaction, working closely with attorneys if required to ensure a satisfactory closing.
Maintains working knowledge of Federal, State, Regulatory and local laws and regulations as they pertain to commercial lending in order to ensure compliance.
Prepares monthly and quarterly reports as required for EVP, Director of Commercial Lending.
Proactively seeks out opportunities to attend various educational courses and training as needed to enhance job performance.
Attends required group meetings in which ideas and issues are discussed relative to departmental functions.
Performs other duties as required.