Business Banker – Business Banking Officer Position Available In Androscoggin, Maine

Business Banker – Business Banking Officer

Job Category:

Commercial Lending

Requisition Number:

BUSIN001998

Posting Details

Posted:

February 26, 2025
Full-Time
On-site
Locations
Showing 1 location
Main Office
Lewiston, ME 04240, USA Job Details
Description Androscoggin Bank, a values driven, mutual savings bank based in Lewiston, Maine, has an opening for a Business Banking Officer to join our team. Our culture is one where we work collaboratively with clients and business partners to answer questions and assist in arriving at the most effective and efficient resolution to reasonably comply with regulatory requirements and do what is right for the client. The difference here is the great team you will work with and the ability to work in a local business with local decision making-where employees and clients come first! In keeping with our client first purpose, our ideal candidate will understand the needs of our client and community goals and have experience as a Business Banking Officer within the Bank’s market area.

Responsibilities for this role include:

Develops new business by contacting prospects and customers with revenue under $2.5 million, cross-sells bank services including: DDA and savings accounts, business loans/line, cash management services, trust & investment services and home loans.
The Business Banker develops, retains and expands business relationships with a Deposit and Loan portfolio with 50-75 relationships. Loan portfolio is generally between $5-7 Million.
Establishes, and negotiates with guidance where necessary, terms under which credit will be extended, including the costs, repayment method, and schedules and collateral requirements.
Interviews loan applicants and collects and reviews financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
Advises customers, when appropriate, concerning business management and financial matters.
Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities.
Makes joint calls with Retail Managers, Treasury Services Officer, Trust/Investment Officers or other bank personnel as needed to cross promote bank products.
Make calls and establishes relationships in line with Community Reinvestment Act guidelines.
Complies with all banking related laws and regulations communicated to the employee through training and/or written correspondence and those requirements reflected in the Bank’s policies and procedures applicable to the employee’s duties and/or areas of responsibility. Protects all customer information and institution assets and complies with privacy and acceptable use policies.
Undertakes special projects relating to departmental services as assigned by Manager.

Qualifications:

Bachelor’s degree (B. A.) from four-year college or university; 1-3 years related experience and/or training; or equivalent combination of education and experience.

Other Qualifications:

Requires a minimum of 2 years of bank experience.
Proven business development capabilities
Developing knowledge of commercial banking and lending practices – credit analysis is a plus
Ability to read financial statements
Represents bank in professional manner
Ability to cross-sell other bank products and services
Willingness to travel and work a flexible schedule to meet customer needs
Must have a valid drivers license
Proven communication and interpersonal skills. Benefits This position carries great benefits, including paid time off, holiday pay, 401k participation with a generous match (we put money in your 401k even if you don’t!), and access to Androscoggin Bank’s full insurance benefit package (medical, dental, vision, life, and disability). Androscoggin Bank offers paid parental leave to our employees, which grants new mothers and fathers six weeks of full pay! We also provide paid volunteer time to all employees. Hoping you could advance your career and your education? We can help. Androscoggin Bank is committed to supporting employee development, and employee benefits include tuition and education reimbursement. Do you wish you could be more involved and connected in your company, beyond the level of your department? Androscoggin Bank offers that to you. Project teams, committees, events, in-house education, and more. It’s an amazing place to work. And, you get to work with some of the smartest, most dedicated, heart-felt people you will ever meet! We are deeply proud that Androscoggin Bank recently achieved B Corp Certification. This means we’ll continue to use profit to power our purpose, rather than serving as the purpose itself. We’ll serve the best interests of our clients, our employees and our communities, while also honoring our environment.