Commercial Banker II

Beacon-Bank; Lake Mohegan (NY); On-site; USD 96,000 - 177,000; Full time

Job summary

Beacon Bank in Yorktown Heights, NY, seeks a seasoned Commercial Banker to manage an assigned portfolio, underwrite loans, and drive business development initiatives within the bank's commercial division.

The role requires 5–10 years in commercial lending and underwriting, deep credit policy knowledge, and the ability to grow deposits and cross-sell products while maintaining strict compliance and risk controls.

Qualifications

• Bachelor’s degree or equivalent.
• Minimum of 5-10 years of commercial lending and underwriting/portfolio management experience.
• Understand the commercial marketplace within the Bank’s target area.
• Familiarity with Bank products and cross-selling opportunities.
• Strong oral and written communication skills.

Responsibilities

• Underwrite loans by analyzing financial information and preparing credit approval memorandums.
• Manage the assigned loan portfolio, monitor credit quality, and perform annual reviews and renewals.

Skills

Commercial lending

Loan underwriting

Portfolio management

Credit policy knowledge

Cross-selling

Effective communication

Education

Bachelor’s degree or equivalent

Job description

Yorktown Heights, New York, United States

Division: Commercial

Reports to: Various

Status: Exempt/Officer/VP

Pay Grade: 13

Salary Range:$96,089 - $177,069

Actual compensation within the pay range will be determined based on factors including, but not limited to, skills, prior relevant experience, and specific work location.

Location: Yorktown Heights, NY

Purpose/Objective:

P r i m ar y responsibilities include management of an assigned portfolio, monitoring of delinquent loans, and ensuring adherence to credit, compliance and operational policies. This position will also be responsible for business development efforts and evaluate the creditworthiness of existing customers as well as prospects and will prepare a comprehensive approval package for presentation to the appropriate loan approval authority.

Key Accountabilities:

• This position will develop new business opportunities within the assigned portfolio and develop new business primarily from expanding upon assigned relationships as well as from transactions referred by senior business development bankers. Responsibility will include the underwriting of loans by analyzing financial information and related reports and the preparation and presentation of credit approval memorandums. In addition, this position will document loan closings by ordering appraisals and environmental reports, issuing commitment letters, coordinating closings and overseeing the loan booking process in conjunction with the Commercial Loan Assistants. In addition to the development of loan opportunities the Banker will work to increase deposits from clients, and generate non-interest fee income through the appropriate recommendations of interest risk hedging products, loan participation sales and referrals to partner organizations.


• Responsible for the ongoing maintenance and customer service of the assigned loan portfolio. Monitor the ongoing credit quality of the portfolio and assess the credit quality of each relationship in accordance with policy including the completion of annual credit reviews and periodic renewals throughout the year. This position will be responsible for the accurate entry of information to track/monitor the status of the portfolio.

Education:

• Bachelor’s degree or equivalent

Experience:

• Minimum of 5-10 years of commercial lending and underwriting/portfolio management experience

Skills & Knowledge:

• Understand the commercial marketplace within the Bank’s target area


• Be well-versed with the Bank’s credit policy and guidelines


• Have familiarity with other products and services offered by the Bank, for cross-selling purposes


• Ability to communicate effectively in both an oral and written capacity


• Be willing to assume any other duties as may be required

Beacon Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. If you would like to contact us regarding the accessibility of our website, need assistance completing the application process, or would like to request alternative methods of applying, please contact us at [e-mail].

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Beacon Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. If you would like to contact us regarding the accessibility of our website, need assistance completing the application process, or would like to request alternative methods of applying, please contact us at [e-mail].

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