Job Description

COCC is recruiting on behalf of our client, a long established community bank in Middlesex County. This is an opportunity to join a tight-knit, community-focused bank where collaboration and mutual success are at the heart of everything they do. The team takes pride in supporting each other and the local community. Employees are encouraged to get involved in civic activities and represent the bank in a positive, impactful way.

The Commercial Loan Officer will play a key role in developing and managing business lending relationships while maintaining a strong share of the existing loan portfolio. Reporting to the Chief Lending Officer, this individual will evaluate, authorize, or recommend approval of commercial loan applications and ensure compliance with all regulatory and internal standards.

Key Responsibilities:

• Originate and Manage Loans:
• Interview commercial applicants and originate loans across all commercial products offered by the bank.
• Prepare and organize credit and loan documentation, including financial data, credit histories, and collateral details.
• Perform underwriting analysis, calculate ratios, review credit reports and appraisals, and collaborate with loan administration and credit teams.
• Approve loans within delegated authority or refer for higher-level approval.
• Conduct periodic reviews of existing commercial loan customers within the bank’s portfolio.
• Relationship Building & Business Development:
• Provide consultative selling and exceptional customer service.
• Promote and cross-sell other bank products and services.
• Conduct regular business calls to prospects, centers of influence, and existing customers.
• Compliance & Risk Management:
• Ensure adherence to federal and state regulations and internal credit/documentation standards.
• Maintain current knowledge of policies and procedures.
• Community Engagement:
• Represent the bank at business and trade associations, civic functions, and community events.
• Actively promote the bank’s positive image and commitment to local communities.

Qualifications

• Minimum 7 years of related experience or equivalent combination of education and experience.
• Proficiency in spreadsheet software, Windows-based applications, and service bureau programs.
• Strong verbal, written, and negotiation skills.
• Proven ability to build and maintain strong business relationships.

Why Join This Bank?

• Collaborative Culture: Work with a team that values mutual success and support.
• Flexibility: Choose to work from the corporate office or any branch location.
• Community Impact: Be encouraged and supported to participate in local events and initiatives.

The salary range for this role is $115,000 - $150,000

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