Commercial Loan Officer-Salem, NH

Rockland Trust Company•Salem, NH

23h

About The Position

Rockland Trust is currently seeking a Commercial Loan Officer to build relationships with various commercial businesses throughout the community. The individual in this role will source, develop and manage commercial banking relationships, with a focus on growing the portfolio by providing financial solutions to both existing and new customers. The role is a trusted advisor who understands the customer’s business environment and is able to provide solutions that demonstrate an understanding of their financing, cash management and overall business needs to add value to their business. As an organization, Rockland Trust offers 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.

Requirements

Qualified candidates will have at least five years of commercial lending experience in our market, strong credit skills and a record of success in developing, maintaining and closing new business.
Formal credit training preferred
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
In-depth understanding of commercial industry, business development techniques and credit decisions
Proven business development track record, with 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
Demonstrated ability to review and evaluate documentation for risk
Related experience with regulatory, compliance and due diligence requirements
Strong organizational, reasoning and communications skills
Self motivated and independent with the ability to multi task, balance a demanding work load and meet critical deadlines
PC skills including Word, Excel and Power Point are required

Responsibilities

Develops new business opportunities through business development efforts; including new client solicitation, active involvement in industry organizations, and expansion of existing client base.
Services a wide variety of secured and unsecured loans or lines of credit.
Actively identifies opportunities to cross-sell other bank products and services to customers and prospects including Cash Management, Investment Management and deposit products.
Attends to the needs of customers, maintaining frequent contact and ensuring needs are handled properly
Anticipates emerging customer trends as a basis for recommending products and services and expanding the business
Interviews applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
Gives financial advice and counsel to customers and prospective customers.
Reviews existing credits and new credit applications, analyzes credit quality and makes recommendations as to how to structure and price deals
Guides the credit department or junior officers in the development and analysis of financial background data for new or renewed loans.
Presents relevant data and recommendations to the Management and Senior Loan Committee when appropriate.
Makes decisions on loans and terms within established lending limits.
Follows current loans and credit lines to ensure complete compliance with terms.
Maintains awareness of maturing credits, overdue payments, financial information reporting; etc, which could affect the status of the commercial relationships and takes appropriate action
Works with Portfolio Managers to insure that financial information is collected on a timely basis and that credit exposure is properly rated reflecting credit quality over time.
Represents Rockland Trust in business and community activities.