Commercial Credit Approval Officer

Rockland Trust is seeking a Commercial Credit Approval Officer responsible for underwriting and decisioning commercial credit proposals within his/her assigned lending authority.

Responsibilities and Essential Functions:


* Utilize financial analysis, industry evaluation, credit underwriting guidelines, and superior judgment to efficiently underwrite and decision commercial business and real estate loan proposals within assigned lending authority or recommend decisions for requests exceeding individual lending authority.


* Collaborate with front line colleagues and/or directly with customers, as necessary, to obtain required documents and/or clarifying information needed to thoroughly underwrite.


* Accurately identify and apply credit policies/underwriting guidelines, prudently recommending approval of reasonable exceptions where the overall credit profile fits within the bank’s risk tolerance.


* Properly structure loan proposals to balance simplicity and monitoring ease with credit conservatism.


* Proactively counter-offer SBA guarantees or other credit enhancements, as necessary, to meet customer needs, while mitigating risk.


* Mentor and assist in the professional development of junior credit colleagues by reviewing their work, serving as an expert resource for the department, and backing up the underwriting manager, as necessary.


* Accurately identify and apply credit policies, judiciously recommending approval of reasonable exceptions where the overall credit profile fits within the bank’s risk tolerance.


* Assist/Coach front line colleagues, as necessary, to develop strategies for strengthening customer relationships (e.g.

identify cross-sell opportunities, debt restructure strategies to strengthen liquidity or improve balance sheet leverage, succession planning, etc.).


* Stay conversant with banking laws, regulations, and credit policy/guidelines to ensure that all exceptions are properly identified and justified and that all credit actions comply with pertinent regulations.


* Collaborate with Business Banking, and Commercial Banking Partners, throughout the entire loan origination process to ensure an excellent customer and colleague experience.


* Develop and sustain strong partnerships with various front line and back office colleagues through complete, candid, and timely communication, a sense of urgency, and cooperative mindset.


* Participate in various initiatives and projects for the Commercial Banking Underwriting Department relating to technology and process improvement as needed, to improve the speed, efficiency, or operational integrity of the team.


* Participate in audits, regulatory exams, and other third party reviews and assist in the development of responses and follow-up actions, as necessary.

Competency Areas:


* Strong credit and financial analysis skills, including the ability to evaluate debt service coverage, analyze collateral, discern key fi...