Commercial Credit Specialist

Job Title: Commercial Credit Specialist

Job Description:

Commercial Credit Specialists must possess strong analytical skills to evaluate the financial viability of businesses and make informed lending decisions based on their findings.

We offer 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. Develops a list of prospective new clients and engages in new business development activities required for adding new customer relationships on a consistent basis. Calls on existing customers to develop new business and increase or retain existing relationships.

Develops and services a wide variety of clients through providing secured and unsecured loans or lines of credit ranging from $5MM to $75MM in credit exposure. Guides the credit department or junior officers in the analysis of credit opportunities and the development of appropriate credit approval request documents. Establishes and recommends appropriate loan structures, products and terms, within established lending limits, with input from manager. Monitors current loans and credit lines within the assigned portfolio, with assistance from Portfolio Manager, to ensure complete compliance with loan terms and bank policies.

Required Skills:

• Enhanced sales and marketing proficiency
• Understanding and expertise in credit legal documentation are indispensable
• Demonstrated ability to assess and examine documentation for potential risks
• Experience with regulatory, compliance, and due diligence requirements
• Updates job knowledge by participating in educational opportunities
• Proficient in bank operations and familiar with the credit approval process
• Strong organizational, analytical reasoning, and communication skills
• Self-motivated and independent with the ability to multitask, manage a demanding workload, and meet critical deadlines
• Proficient in Word, Excel, and PowerPoint
• Ability to establish and maintain constructive working relationships

Required Experience:

• Demonstrated progressive growth in a commercial banking or credit-focused career
• Five or more years of credit analysis and portfolio management experience
• Three or more years of middle market commercial lending experience with strong credit skills and a proven record of developing, maintaining, and closing new business
• Ability to apply deductive and inductive reasoning to solve complex challenges
• Ability to understand new information and apply it effectively to future decision-making and problem-solving situations

Benefits:

Our goal is to offer our colleagues the most generous benefits package possible. We strive to provide colleagues with a comprehensive benefits package and an environment that supports a healthy work-life balance.

• Competitive compensation with performance-based incentive awards
• Comprehensive health insurance coverage
• Dental Insurance
• 401(k) and defined contribution (DC) retirement plans
• Long-Term Disability (LTD) and Life Insurance coverage
• Vacation Time
• Day Care Reimbursement program
• Tuition assistance for graduate and undergraduate programs
• Award-winning Wellness Program
• Additional benefits and incentives to support your personal and professional growth

About Rockland Trust:

At Rockland Trust you'll find a respectful and inclusive environment where everyone is given the chance to succeed. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law

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