Responsible for developing and maintaining strong and profitable relationships with commercial clients and providing quality customer service. Actively call on businesses in GSB’s strategic lending area and throughout CT; effectively negotiate and structure proposed loans in a timely manner and in alignment with the Bank’s loan policy; obtain necessary approvals, close the loan and administer the customer relationship.

GENERAL DESCRIPTION OF DUTIES

• Develop relationships with business owners, developers, lawyers, accountants and real estate investors to develop new relationships as well as maintain satisfactory relationships with existing customers. Network to achieve a continuous referral source for the Bank. Work with the Retail branches, Cash Management Officers and GSB Wealth Management on joint calling efforts to cross sell various Bank products and services.
• Interview potential commercial loan customers, quote rates and terms, obtain the necessary information to underwrite the loan request, properly assesses the request and structure the loan in conformance with Loan Policy.
• Actively involved in the loan review of the existing portfolio to ensure credit quality and recommend any upgrades or downgrades to loans. Actively maintain credit files in assigned loan portfolio including, but not limited to current financial information, annual file memos, and annual reviews
• Work one on one with the Credit Department on completing Loan Submissions for approval or providing information as needed for accurate underwriting. May at times be called upon to assist Credit Department with various tasks, as needed.
• Work with the Commercial Loan Servicing Representative to ensure all loan documentation is accurate, attend loan closing and ensure all follow up documentation is received.
• Evaluate potential customer loan requests and make loan recommendations to management.
• Participate with Commercial Loan Origination Manager Credit Manager/Sr. Credit Risk Manager on underwriting matters.
• Perform other duties as required.
• Completes all required compliance training as assigned in a timely manner.

DIGITAL LITERACY:

The ability to use data, information, and communication technologies to find, evaluate, create, and communicate information, requiring both cognitive and technical skills

• Information, data and content
• Teaching learning and self-development
• Communication, collaboration, and participation
• Digital identity, safety, and security
• Technical proficiency with all bank products
• Awareness and interest in new technology
• Creation, innovation, and research

EXPERIENCE: Three to five years of relevant commercial lending and/or commercial real estate lending experience in a bank setting. SBA Lending experience would also be a plus.

EDUCATION: A college degree (BS or BA in a relevant field).