VP, Commercial Banker II

Beacon Bank•Lake Mohegan, NY

3d•$96,089 - $177,069•Onsite

About The Position

Primary responsibilities include management of an assigned portfolio, monitoring of delinquent loans, and ensuring adherence to credit, compliance and operational policies. This position will also be responsible for business development efforts and evaluate the creditworthiness of existing customers as well as prospects and will prepare a comprehensive approval package for presentation to the appropriate loan approval authority.

Requirements

Bachelor’s degree or equivalent
Minimum of 5-10 years of commercial lending and underwriting/portfolio management experience
Understand the commercial marketplace within the Bank’s target area
Be well-versed with the Bank’s credit policy and guidelines
Have familiarity with other products and services offered by the Bank, for cross-selling purposes
Ability to communicate effectively in both an oral and written capacity
Be willing to assume any other duties as may be required

Responsibilities

Develop new business opportunities within the assigned portfolio and expand upon assigned relationships.
Underwrite loans by analyzing financial information and related reports.
Prepare and present credit approval memorandums.
Document loan closings by ordering appraisals and environmental reports, issuing commitment letters, coordinating closings and overseeing the loan booking process.
Increase deposits from clients and generate non-interest fee income through recommendations of interest risk hedging products, loan participation sales and referrals to partner organizations.
Responsible for the ongoing maintenance and customer service of the assigned loan portfolio.
Monitor the ongoing credit quality of the portfolio and assess the credit quality of each relationship in accordance with policy, including the completion of annual credit reviews and periodic renewals.
Ensure accurate entry of information to track/monitor the status of the portfolio.
Evaluate the creditworthiness of existing customers and prospects.
Ensure adherence to credit, compliance and operational policies.