VP Commercial Lending Job in Berkshire County

Salary:  $125k - $190k DOE

Location:  Berkshire County

Job Summary:

Under the direct supervision of the Senior Vice President Commercial Lending and in conformance with established policies and operating procedures, performs all interviews, preliminary underwriting, decision-making processes and loan closings for all commercial loans.  Analyzes and summarizes financial information for existing and prospective loan customers; assist Credit Administration staff to prepare credit related reports for presentation to loan committee. 

Primary Responsibilities:

• Provides a high level of customer service, both internally and externally. 
• Represents Company positively and professionally within the organization as well as in our communities. Supports a positive workplace culture through words and action. 
• Participates in and completes in a timely manner all training as assigned and required.
• Interview and evaluate new and/or existing loan relationships based upon due diligence including but not limited to credit history and loan repayment capabilities.
• Responsible for appropriate customer history reports, credit files, financial statements and approvals; reviews with the Department SVP as required.
• Accurately complete all credit underwriting and make credit decisions based upon Commercial Credit Policy as well as regulatory policy.
• Monitors risk within the portfolio by completing annual credit reviews of existing relationships to ensure accurate risk ratings are in place.
• Schedules and performs closings ensuring that all terms and conditions of approval are documented properly and collateral positions are in place.
• Monitor loan maturities, completing procedures for renewals, and adjust annual reviews according to Commercial Credit policy.
• Complete credit underwriting and make credit decisions with regard to ACH and RDC approval for non-borrowing customers.
• Request and review real estate appraisals and environmental studies as required by Commercial Credit Policy.
• Participate and represent the Bank at Chamber Meetings, Business Development Programs and other Community Events as necessary.
• Attend periodic officer and loan committee meetings, as required.
• Maintain compliance with all related bank policies, including Bank Secrecy Act, confidentiality, standardized procedures and regulations.
• Other duties as assigned.

New Business Development

• Pursue new business by executing a calling plan for customer leads, referral sources and other prospects.
• Deliver exceptional customer service by actively listening to clients and then promptly providing the best possible solution for their financial needs. 
• Cross-sell value-added products and financial solutions to new and existing clients.
• Visit with Centers of Influences (COIs) on a regular basis to ask for referral opportunities.
• Maintain existing portfolio volume by providing current loan customers with recommendations for their financial plans and needs. 

Portfolio Management

• Maintain positive customer relationships through regular active communication (in person, e-mail, telephone). 
• Collect financial statements, borrowing base certificates and other financial information from customers to ensure timely submission of loan presentations. 
• Work with credit administration to process annual reviews of credits. 
• Implement actions on problem credits and follow up with appropriate corrective action plans.
• Create and maintain partnerships and open communication with internal departments to ensure maximum efficiency and collaboration. 

Community Involvement

• Become actively involved in one or more local civic, charitable, or other non-profit organizations to increase the visibility of the Bank and to generate new business opportunities. 

Qualifications:

• Bachelor’s degree in business or accounting.
• Minimum of 2 years’ experience as a commercial loan officer.
• Proven business development skills.
• 25% availability to travel outside of 50-mile radius.
• Strong commitment for the benefit of and in the best interest of the organization.
• Excellent written and verbal communication skills.
• Excellent public relations skills.
• Excellent follow-up and organizational skills.
• Deadline and detail oriented.
• Moderate computer skills.
• Ability to deal with and show discretion in confidential matters.
• Ability to sit, drive, perform telephone and computer input functions.