FVP - Commercial Lender

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Summary :

The FVP Commercial Lender is a senior-level role responsible for originating, underwriting, and managing a diverse portfolio of commercial loans, typically ranging from $100 to $150 million. This position plays a key role in driving business growth through proactive relationship development, credit analysis, and portfolio management. The officer is accountable for structuring complex loan transactions, ensuring compliance with regulatory and internal policies, and maintaining high credit quality. With a strong focus on customer service and community engagement, the role also involves cross-selling bank products, participating in civic activities, and enhancing the bank's visibility in the market. This position requires a high degree of independence, strategic decision-making, and the ability to influence financial outcomes through sound credit judgment and business development expertise. This position is based at our executive offices in Holyoke, MA with on-site presence required and flexibility for remote work as needed.

Essential Duties and Responsibilities :

• Originate and underwrite commercial loans across diverse industries, generating $10-$30 million in new loan volume annually; conduct applicant interviews, analyze creditworthiness, and structure competitive loan terms aligned with bank policy.
• Lead proactive business development efforts to cultivate new commercial relationships and expand existing ones, contributing to portfolio growth in alignment with the bank's strategic goals.
• Manage a high-value commercial loan portfolio exceeding $100 million, ensuring strong credit quality through ongoing monitoring, risk rating, and early identification of potential credit deterioration.
• Deliver exceptional client service while identifying cross-sell opportunities for bank products and services, including deposit solutions tailored to client needs.
• Oversee the preparation and execution of loan documentation, ensuring accuracy, regulatory compliance, and proper lien perfection on pledged collateral.
• Represent the bank in the community by actively participating in civic, philanthropic, and professional events to enhance visibility and strengthen local relationships.
• Complete yearly compliance training and adhere to bank policies and procedures.
• Other duties as assigned.

Education and Experience :

Skills Required :

Computer / Technical Skills :

Work Environment and Physical Demands :

The working conditions and physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to sit, use hands to sort, write and keyboard, and to listen and speak. The associate is frequently required to reach, walk, stoop, crouch. The associate is occasionally required to stand, lift, bend, drive and travel.