Commercial Loan Officer-MA

Commercial Loan Officer

Commercial Loan Officer Massachusetts Westfield, MA $117,425.99 - $176,138.98 Annually Reports to : SVP, Senior Lender, Massachusetts Amount of Travel Required : Some Travel Required Positions Supervised : None

POSITION SUMMARY

The Commercial Loan Officer is responsible for managing and developing a portfolio of commercial loan and deposit relationships, ensuring alignment with the Bank's financial goals. This role involves identifying new business opportunities, evaluating loan requests, working along with credit partners to complete credit analysis and preparing loan proposals. The ideal candidate has experience in commercial lending, strong analytical skills and proven ability to cultivate client relationships.

ESSENTIAL FUNCTIONS

• Develops, manages and grows a portfolio of commercial loan and deposit relationships.
• Identifies and pursues new lending opportunities through direct outreach, networking, referrals and community involvement.
• Actively identifies and refers cross-sell opportunities to other areas of the Bank.
• Contributes to the achievement of Commercial Team goals as it relates to revenue & portfolio growth, asset quality and compliance.
• Structures and negotiates loan terms that meet client needs while protecting bank interests.
• Collaborates with Credit Analysts, Loan Assistants and other team members to ensure excellent client service.
• Monitors loan portfolio performance, manage risk, and maintain compliance with policies and regulations.
• Must complete BSA, AML, and other Regulatory and Continuing Education as assigned.
• Assumes additional responsibilities as requested.

POSITION QUALIFICATIONS

Competencies Accountability Analytical Skills Business Development Negotiation Skills Productivity Sales Results Written Communication

Education / Experience / Skills & Abilities Minimum 7 years of experience as a commercial lender and ability to manage a large commercial loan portfolio. Experience as a commercial credit analyst preferred or similar sound credit background. Knowledge of Small Business Administration guaranty programs. Strong analytical, verbal, interpersonal and written communication skills. Strong negotiation and sales ability. Must be a responsible and independent worker who can interact well with other members of the Commercial Team. Ability to handle sensitive and confidential situations and documentation. Ability to prioritize and multi-task.