Commercial Loan Officer sought for a community bank. Seeks and develops business lending relationship opportunities and manages share of existing portfolio of loan clients. Under the supervision of the Chief Lending Officer examines, evaluates, and authorizes or recommends approval of customer applications for commercial loans by performing the following duties:

• Interviews commercial applicants and originate loans for all types of commercial loan products offered by the Bank. Prepare and organize credit and loan documentation, including financial data, credit histories, and collateral details. Performs underwriting analysis, calculation of ratios, reviews credit and appraisals and interfaces daily with the loan administration and credit departments. Approves loans within specified limits or refers loans for approval. Performs reviews of existing commercial loan customers within bank’s portfolio. Interfaces with attorneys, accountants and other industry experts as necessary.
• Provides consultative selling and quality customer service. Promotes and cross-sells other Bank products and services as appropriate and conducts business calls to prospects, centers of influence, and customers on routine basis.
• Adheres to federal and state regulations as they apply to commercial lending to ensure that the Bank remains current with all policies and procedures. Responsible for adhering to credit and documentation standards and internal policies.
• Assists with commercial loan administration and credit department staff.
• Represents the Bank in contacts with business and trade associations, customers and regulatory agencies. Attends civic functions and otherwise promotes the Bank’s image in a positive fashion.

Qualifications

• 5 years related experience; or equivalent combination of education and experience.
• Knowledge of Spreadsheet software, Windows-based applications, and service bureau programs.
• Strong verbal, written and negotiating skills

Education

• Bachelor’s Degree is preferred or equivalent combination of education and experience.

DISCLAIMER: The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required to perform this job successfully.

We offer competitive pay, benefits and an excellent working environment.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Submit your resume to essexsavings@essexsavings.com to apply.