Commercial Loan Officer

Rockland Trust Company•Derry, NH

About The Position

Rockland Trust is seeking a Commercial Loan Officer to build and manage commercial banking relationships with businesses in the community. The role focuses on sourcing and developing new relationships and growing the portfolio by providing financial solutions to existing and prospective customers. The officer serves as a trusted advisor, understanding each customer’s business environment and financing, cash-management, and broader business needs. The organization offers a supportive branch network, competitive products and pricing, and local operational support to help meet business-development objectives. The position includes developing commercial lending business, evaluating and monitoring credit, recommending loan structures and pricing, and advising customers. The officer works with credit staff, junior officers, portfolio managers, management, and the Senior Loan Committee as appropriate. Rockland Trust describes its culture as collaborative, inclusive, and values-driven, with an emphasis on professional growth, innovation, work-life balance, community involvement, and financial education.

Requirements

At least three years of commercial lending experience, including both C&I and commercial real estate lending.
Strong credit skills and a record of success developing, maintaining, and closing new business.
Ability to use deductive and inductive reasoning to solve problems.
Ability to understand new information and apply it to future problem-solving and decision-making.
In-depth understanding of the commercial industry, business-development techniques, and credit decisions.
Proven business-development track record and ability to conceptualize and implement effective new-business strategies.
Extensive network of outside referral sources for new business.
Excellent credit and financial-analysis skills.
Effective negotiation skills.
Ability to establish and maintain effective working relationships.
Ability to review and evaluate documentation for risk.
Related experience with regulatory, compliance, and due-diligence requirements.
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.

Nice To Haves

Experience in the bank’s market is ideal.
Formal credit training is preferred.

Responsibilities

Develop new business opportunities through client solicitation, involvement in industry organizations, and expansion of the existing client base.
Service a variety of secured and unsecured loans and lines of credit.
Identify opportunities to cross-sell cash management, investment management, deposit products, and other bank services.
Maintain frequent customer contact and ensure customer needs are handled properly.
Anticipate customer trends and recommend products and services that can expand the business.
Interview loan applicants to understand their businesses, needs, abilities, and earnings, and assess whether a loan may be an acceptable risk.
Provide financial advice and counsel to customers and prospective customers.
Review existing credits and new credit applications, analyze credit quality, and recommend deal structures and pricing.
Guide the credit department or junior officers in developing and analyzing financial background data for new or renewed loans.
Present relevant data and recommendations to management and the Senior Loan Committee when appropriate.
Make loan and loan-term decisions within established lending limits.
Monitor loans and credit lines for compliance with terms, and take appropriate action regarding maturing credits, overdue payments, and financial-information reporting that may affect relationships.
Work with Portfolio Managers to collect financial information promptly and ensure credit exposure ratings reflect credit quality over time.
Represent Rockland Trust in business and community activities.