Commercial Loan Officer

Rockland Trust is currently seeking a Commercial Loan Officer to build relationships with various commercial businesses throughout the Derry and Manchester communities.

The individual in this role will source, develop and manage commercial banking relationships, with a focus on growing the portfolio by providing financial solutions to both existing and new customers.

The role is a trusted advisor who understands the customer’s business environment and is able to provide solutions that demonstrate an understanding of their financing, cash management and overall business needs to add value to their business.

As an organization, Rockland Trust offers an extensive and highly supportive branch network, competitive products and pricing and exceptionally strong local operational support to help you achieve your business development objectives.

Responsibilities:


* Develops new business opportunities through business development efforts; including new client solicitation, active involvement in industry organizations, and expansion of existing client base.


* Services a wide variety of secured and unsecured loans or lines of credit.


* Actively identifies opportunities to cross-sell other bank products and services to customers and prospects including Cash Management, Investment Management and deposit products.


* Attends to the needs of customers, maintaining frequent contact and ensuring needs are handled properly


* Anticipates emerging customer trends as a basis for recommending products and services and expanding the business


* Interviews applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.

Gives financial advice and counsel to customers and prospective customers.


* Reviews existing credits and new credit applications, analyzes credit quality and makes recommendations as to how to structure and price deals


* Guides the credit department or junior officers in the development and analysis of financial background data for new or renewed loans. 


* Presents relevant data and recommendations to the Management and Senior Loan Committee when appropriate.

Makes decisions on loans and terms within established lending limits. 


* Follows current loans and credit lines to ensure complete compliance with terms.


* Maintains awareness of maturing credits, overdue payments, financial information reporting; etc, which could affect the status of the commercial relationships and takes appropriate action


* Works with Portfolio Managers to insure that financial information is collected on a timely basis and that credit exposure is properly rated reflecting credit quality over time.


* Represents Rockland Trust in business and community activities.

Required Experience:


* Qualified candidates will have at least five years of commercial lending experience in our market, strong credit skills and a r...