Junior Commercial Lender

Bank ESB • Easthampton, MA • 12h ago

Junior Commercial Lender Easthampton, MA, US Requisition ID: 2014 Salary
Range: \$80,000.00 To \$90,000.00 Annually Compensation for this
position is commensurate with experience. The posted range is intended
to provide a general estimate and does not guarantee a specific rate of
pay. OVERVIEW: The Junior Commercial Lender is responsible for managing
and servicing a portfolio of loans assigned by the bank. While working
as a team, the ideal candidate would be someone who takes ownership,
works well independently, and is willing to take initiative. Provide
analytical and credit oversight and ensures that the overall portfolio
performance and quality remains strong, actively communicates issues
with EVP SLO / Team Leader and works with customers directly on the
resolution of issues. The Junior Commercial Lender shall interact
regularly with the credit department and commercial loan assistants to
provide the highest level of service and structure solutions that are
consistent with and supportive of the Bank\'s credit standards. Shall
cross-sell deposit and cash management products and generate referrals
for retail products. Ensure compliance with credit policies and
procedures and manage the assigned portfolios according to established
standards. Actively participate in community organizations as a Bank
representative. ESSENTIAL FUNCTIONS & RESPONSIBILITIES: Management of
Assigned Portfolios- Shall maintain portfolios to the expected
standards, including addressing all maturing loans, completing annual
reviews, addressing any and all documentation and financial reporting
exceptions. Shall ensure compliance with all regulatory standards, loan
policies and procedures. Customer Service- Delivers consistently
superior service to customers. Risk Management and Underwriting: Works
closely with the customer, commercial lender, credit department and
administrative staff in handling customer requests, fixed asset line of
credit draw request, renewals, covenant testing, construction loan
monitoring and servicing of customer relationships. Analyzes loan
applicants to determine feasibility of granting loan. Work with the
clients to negotiates terms, prepare opportunity memos, prepares loan
proposal, underwrites, and obtains approval; all while conferring with
EVP SLO / Team Leader and the credit department. Works with credit on
loan presentation, clearly identifies credit risks and any policy
exceptions. Assures timely presentations, loan commitments, loan
closings and funding activities. Assumes responsibility with and under
the direction of the EVP SLO / Team Leader for the management of loan
and deposit relationships. Collects required financial information and
maintains comprehensive and current credit files and comments. Assigns
and periodically reviews loan risk ratings. Teamwork, Community
Activities, Management Foster a sense of teamwork and mutual support
within the bank, in order to accomplish the bank?s goals. REQUIREMENTS:
Bachelor\'s Degree in Business, Finance or related field A minimum of
two years\' experience in commercial lending previously, preferably
involving credit training Strong understanding of Business Banking loans
Strong proven financial, analytical, and mathematical skills Excellent
credit skills in underwriting, financial modeling, valuations and
adherence to policy Exceptional written, verbal and interpersonal
communication skills High-energy, result-oriented and works well in a
team environment Strong organization skills Qualifications: To perform
this job successfully, an individual must be able to perform each
essential duty satisfactorily. The requirements listed above are
representative of the knowledge, skill, and/or ability required. Any
physical demands or work conditions described here are representative of
those that must be met by an employee to successfully perform the
essential functions of this job.

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