Experienced Commercial Lender (Level/location options available)

Claremont Savings Bank; West Lebanon (NH); On-site; USD 90,000 - 150,000; Full time

Job summary

Claremont Savings Bank is seeking an Experienced Commercial Lender (Level/location options available) in New Hampshire. The role focuses on managing existing relationships and developing new commercial loan opportunities while balancing credit risk.

The position emphasizes financial analysis, client advisory services, and cross-selling deposit and cash management solutions within a local market. It offers level/location options and a path for growth within the bank's lending team.

Qualifications

• Extensive experience in commercial lending and financial analysis.
• Strong relationship-building with business clients and referral sources.
• Ability to assess creditworthiness using financial statements and cash flow.

Responsibilities

• Identify, develop, and secure new business opportunities within the local market.
• Builds and maintains strong relationships with clients, referral sources, and community organizations.
• Manages and grow an assigned portfolio of commercial loan accounts.
• Acts as a trusted advisor, offering customized financial solutions to meet clients' needs.
• Evaluates and analyzes financial statements, cash flow projections, and collateral to determine creditworthiness.
• Monitors portfolio performance and proactively identifies and addresses potential risks or delinquency issues.
• Prepares detailed loan presentations and makes recommendations to the credit committee.
• Assesses and structures credit proposals for commercial clients, including real estate, working capital, and equipment financing.
• Documents loans in accordance with loan approvals and Loan Policy.
• Collects past due loan payments and manages troubled relationships within their portfolio.
• Conducts regular client meetings to review loan performance and cross-selling opportunities.
• Works closely with Cash Management staff to meet deposit and cash management needs of commercial loan customers.

Job description

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Experienced Commercial Lender (Level/location options available)

Commercial Claremont, NH, US 1 Attachments

2 days ago Requisition ID: 1165

General Position Summary and Purpose:

The Commercial Loan Officer is responsible for managing existing commercial relationships and for developing new business loan, cash management and deposit opportunities. An appropriate balance between developing new business and managing credit risk is important. The Loan Officer has extensive experience in commercial lending, a deep understanding of financial analysis, and a strong ability to build and maintain relationships with business clients. This role focuses on managing an existing portfolio, originating new commercial loans, and driving overall business growth while ensuring adherence to the bank’s policies and regulatory requirements.

Essential Duties and Responsibilities:

• Identifies, develops, and secures new business opportunities within the local market. Strives to meet or exceed established sales, service, and profit goals.
• Builds and maintains strong relationships with clients, referral sources, and community organizations.
• Manages and grow an assigned portfolio of commercial loan accounts.
• Acts as a trusted advisor, offering customized financial solutions to meet clients' needs.
• Evaluates and analyzes financial statements, cash flow projections, and collateral to determine creditworthiness.
• Monitors portfolio performance and proactively identifies and addresses potential risks or delinquency issues.
• Prepares detailed loan presentations and makes recommendations to the credit committee. Collaborates with credit analysts to ensure accuracy and efficiency in the underwriting process.
• Assesses and structures credit proposals for commercial clients, including real estate, working capital, and equipment financing.
• Properly documents loans in accordance with loan approvals and Loan Policy. Ensure all loans comply with banking regulations and internal policies.
• Responsible for collecting past due loan payments and managing troubled relationships within their portfolio.
• Conducts regular client meetings to review loan performance, identifies cross-selling opportunities, and resolve issues.
• Works closely with Cash Management staff to meet the deposit and cash management needs of commercial loan customers.