Upper Valley Commercial Lender - (Level/Based on Experience)

General Position Summary and Purpose:

The Commercial Loan Officer is responsible for managing existing commercial relationships and for developing new business loan, cash management and deposit opportunities. An appropriate balance between developing new business and managing credit risk is important. The Loan Officer has extensive experience in commercial lending, a deep understanding of financial analysis, and a strong ability to build and maintain relationships with business clients. This role focuses on managing an existing portfolio, originating new commercial loans, and driving overall business growth while ensuring adherence to the bank's policies and regulatory requirements.

Essential Duties and Responsibilities:

Identifies, develops, and secures new business opportunities within the local market. Strives to meet or exceed established sales, service, and profit goals. Builds and maintains strong relationships with clients, referral sources, and community organizations. Manages and grow an assigned portfolio of commercial loan accounts. Acts as a trusted advisor, offering customized financial solutions to meet clients' needs. Evaluates and analyzes financial statements, cash flow projections, and collateral to determine creditworthiness. Monitors portfolio performance and proactively identifies and addresses potential risks or delinquency issues. Prepares detailed loan presentations and makes recommendations to the credit committee. Collaborates with credit analysts to ensure accuracy and efficiency in the underwriting process. Assesses and structures credit proposals for commercial clients, including real estate, working capital, and equipment financing. Properly documents loans in accordance with loan approvals and Loan Policy. Ensure all loans comply with banking regulations and internal policies. Responsible for collecting past due loan payments and managing troubled relationships within their portfolio. Conducts regular client meetings to review loan performance, identifies cross-selling opportunities, and resolve issues. Works closely with Cash Management staff to meet the deposit and cash management needs of commercial loan customers.

Education/Certification:

Four Year college degree desired with a major in business or finance or the equivalent combination of education and work experience.

Required Experience/Required Knowledge:

Knowledge and experience in commercial lending. Thorough knowledge of commercial loan products and third party guarantee offerings is required. Minimum of three to five years of lending experience with a proven track record in portfolio management and business development..