Commercial Loan Officer - C&I Lending

ConnectOne Bank • Saddle River, NJ

7d • $180,000 - $220,000 • Hybrid

About The Position

ConnectOne Bank is a growth organization founded in 2005, now a high-performing commercial bank. We are committed to putting people first, empowering employees, and supporting small businesses through technology and world-class service. Our culture, 'People First,' is the foundation of everything we do, fostering an entrepreneurial setting where employees can thrive and make an impact. ConnectOne Bank is an Equal Housing and Equal Opportunity Lender, and a member of the Federal Deposit Insurance Corporation.

Requirements

• Strong “People First” interest and ability.
• Knowledge of relevant Federal and State banking regulations.
• Credit training.
• Thorough knowledge of procedures and policies with respect to loan transactions.
• Familiarity with Bank security and safety practices.
• Strong understanding of commercial loan documentation.
• Minimum five years of C&I lending experience.
• Thorough understanding of federal banking compliance and requirements.

Nice To Haves

• Working knowledge of Google apps and products.
• Working knowledge of the nCino loan processing platform.
• Bachelor’s degree preferred, commensurate on-the-job experience is acceptable.
• Formal bank credit training

Responsibilities

• Develop new business and broaden existing relationships.
• Underwrite, structure, and close commercial loans, including asset classes for land, site and construction transactions and/or C & I and owner occupied transactions.
• Maintain and manage an existing portfolio of loans.
• Represent the bank in the local community through active participation in community affairs.
• Participate in marketing all of the Bank’s products and services.
• Source, develop and underwrite new loans, interim and permanent mortgages and lines of credit for new and existing clients.
• Collect and analyze information regarding the client’s income, assets, investments and/or debts.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and services.
• Advise clients regarding the advantages and disadvantages of different financial products.
• Negotiate terms and structure loan financing based on risk analysis.
• Present credits for approval to appropriate levels of authority within the bank.
• Ensure all activities, transactions and records are in compliance with operational, security and control procedures of the Bank.
• Prevent fraud and protect customer assets.
• Handle client service issues by conducting research, taking ownership, and daily follow-up until conclusion.
• Review and negotiate all loan documentation for any given transaction.
• Support the Bank’s “People First” focus and rules of engagement.

Benefits

• World class health, vision, and dental benefits on day one
• 401k with employer match
• Hybrid work from home (depending on role)
• Employee appreciation events (team building, softball games, food truck days, etc..)
• Employee assistance programs (EAP)
• Wellness programs (flu shot, preventive care, health programs and services discounts, etc..)
• Tuition reimbursement
• Employee Discount perks
• CNOB Community Service Events

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree