VP Commercial Lending

Description Job Summary: Under the direct supervision of the Senior Vice President Senior Commercial Risk Officer 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. Below is a description of the ordinary duties of the position. Primary Responsibilities: Provides a high level of customer service, both internally and externally. Represents MountainOne 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. Position Requirements: 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. Location: MOB Rockland Full-Time/Part-Time: Full-Time This position is currently accepting applications.

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