Commercial Banker II

Passumpsic Savings Bank•Williston, VT

About The Position

This role is highly personalized and requires you to be approachable and composed during demanding situations/ It is a challenging and rewarding position as you partner with clients to help them reach their financial goals.. An ability to multi-task quickly and efficiently with excellent communication skills is imperative. Strong business skills, self motivation and outstanding customer service and commitment to our customers is a must. You will be responsible for developing, structuring, underwriting and managing commercial loan and deposit relationships that meet established requirements and provide maximum profitability to the Bank at minimum risk. With a full line of financial products and services, as well as expert financial advice, we’re a proven partner in the prosperity of our communities. We focus on improving the world around us with a sincere commitment to our customers' success. We are a workplace that highly values the contribution of our people. We believe if we work together we can accomplish amazing feats for our community. To this end we recruit bright, energetic and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for advancement and learning new skills. We really believe that when our employees succeed, everyone wins.

Requirements

approachable and composed during demanding situations
ability to multi-task quickly and efficiently
excellent communication skills
strong business skills
self motivation
outstanding customer service
commitment to our customers

Responsibilities

Interviews loan applicants and collects and analyzes financial and related data to determine the general credit worthiness of the prospect and the merits of the specific loan request.
Establishes and negotiates where necessary, terms under which credit will be extended, including the costs or repayment methods and schedule, and collateral requirements.
Collects and analyzes information that reflects the current credit worthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means.
Monitors loan repayment activities and takes necessary action to collect from past due accounts.
Advises customers, where possible, concerning business management and financial matters.
Develops new business by contacting prospects and customers, cross-sell Banks services.
Develops material for and makes loan presentations to the appropriate loan authority where required.
Participates in community affairs to increase the Bank’s visibility and to enhance new business opportunities.
Serves as a contact officer for non-borrowing accounts and loan customers for matters relating to other Bank services.
Undertakes special projects relating to department services as assigned by the Head of Lending