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Vice President, Commercial Lender
Job
Bath Savings Institution
Portland, ME (In Person)
Full-Time
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Job Description
Bath Savings Institution is seeking an individual to join our team as a VP/Commercial Lender in our Portland Branch. We are looking for a dynamic individual with drive and determination to manage an existing loan portfolio meeting the needs of the customer and ensuring the quality of credit. The candidate will be responsible for building and maintaining commercial banking relationships within the Bank's market area by developing commercial loan prospects, generating loans, referral leads, and other sources to include Small Business, Commercial & Industrial, Commercial Real Estate, and Construction Financing, as well as making referrals to other banking services. The candidate will be responsible for working with commercial borrowers to gain an understanding of their business opportunities, collecting and evaluating financial and related loan data, and working closely with the commercial loan underwriting department which assists in analyzing loan requests to determine the credit worthiness of the borrower. Preparing loan proposals to originate, process, and make loan recommendations within lending, management and/or Board of Trustees, authority as required. Experience in establishing and negotiating terms and conditions under which credit will be extended in compliance with established standards. Review commercial loan commitments and close commercial loan requests with an understanding of proper loan documentation. Cross sell Bank products and make referrals within the institution as appropriate. Build relationships within the bank with the retail branch team, commercial and mortgage lenders and operations and compliance areas to better support our customers. Participate in community organizations and functions to increase the Bank's visibility and to enhance new business opportunities.