SVP/Commercial Lending Officer II

East Cambridge Savings Bank • Cambridge, MA

3d

About The Position

East Cambridge Savings Bank is recruiting an SVP/Commercial Lending Officer II for its Commercial Lending Division. Under the guidance of the Senior Vice President/Senior Commercial Lending Officer, this role oversees and develops commercial loan relationships that meet lending requirements and align with Bank policies, procedures, and strategic goals. The position makes credit decisions within its lending authority, manages complex commercial lending relationships, supports staff and business development teams, and contributes to the Bank’s commercial lending growth and community presence.

Requirements

• Bachelor’s degree in business administration, or equivalent through special training in lending, credit, or related subjects.
• More than ten years of progressively responsible commercial lending experience, including management experience.
• Excellent analytical, operations management, organizational, and communication skills.

Responsibilities

• Recommend Commercial Lending Department policies and improvements to the Senior Commercial Lending Officer for approval by the loan committee and President & Chief Executive Officer, and ensure approved policy changes are implemented.
• Make final credit decisions on Real Estate and Commercial & Industrial (C&I) customer loans within lending authority.
• Develop new business relationships and service existing relationships to meet established production goals.
• Review, negotiate, and recommend large or complex loans, managing relationships as needed.
• Guide and assist with the development of support staff.
• Provide guidance and direction to Business Development Officers, Commercial Lending Officers, and Relationship Managers.
• Compile financial information and present loans to the Loan Committee for approval.
• Develop and participate in marketing programs for the Bank’s commercial real estate and C&I lending products and services.
• Assist customers with difficult questions or concerns about commercial real estate and C&I lending services, and keep the Senior Commercial Lending Officer informed about service status.
• Monitor and report performance against Commercial Lending goals to the Senior Commercial Lending Officer.
• Recommend proposals to expand current commercial real estate and C&I lending business.
• Participate in community and professional activities and pursue relationships that may improve or increase the Bank’s business.
• Represent the Bank to customers and the community and maintain and expand relationships through active community involvement.
• Participate as a Banking Center team member, help meet performance goals, develop strategies and promotional efforts, and monitor team progress toward goals and objectives.
• Maintain a general understanding of Banking Center products and services to present them effectively to customers.
• Keep abreast of regulatory and competitive developments and assess their impact.
• Maintain knowledge of BSA, AML, CIP, and OFAC regulatory requirements.
• Ensure management and staff complete annual BSA-related training on time and follow applicable BSA procedures.
• Identify and report compliance-related issues and suspicious activity.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior