Commercial Real Estate Lender

Job Description

Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments.

• Work closely with team on new and existing commercial loan requests.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Analyze applicant financial status, credit and property evaluations to determine feasibility of granting loans.
• Originate and close new loans to existing customers and prospects consistent with the Bank's loan policies and state and federal regulations.
• Present new loan requests and other reports as necessary (i.e.: CARs, Loan Review Responses) to the appropriate approval authorities within the Bank.
• Stay abreast of new types of loans and other financial services and products to better meet clients' needs.
• Submit applications to credit analysts for verification and recommendation.
• Work with clients to identify their financial goals and to find ways of reaching those goals.
• Confer with team leader to aid in resolving commercial loan application problems as necessary.
• Manage an existing commercial loan portfolio.
• Cross-sell other bank products including: deposit products, cash management and wealth management.
• Respond to customer and prospect inquiries.
• Coordinate residential loan requests with the Bank's residential lending group.
• Assist in the collection/work out activities with troubled/non-performing assets.
• Represent the Bank at various community functions.
• Participate on Bank task forces and committees as assigned.
• Perform additional duties as requested, needed or assigned.

• Extensive knowledge of financial institution policies and procedures.
• Strong knowledge of commercial lending practices and related areas.
• Knowledge of department support structures, resources and personnel.
• Good sales, organizational, communication and public relations skills particularly in working with documentation that requires special handling.
• Strong analytical and interpersonal skills.
• Knowledge of commercial real estate lending policies and procedures.
• Ability to build strong relationships and alliances across the organization, adapt to change, multitask, reliable and highly self‑motivated.
• Superior customer service skills, exceed customers' expectations.
• Fluent written and verbal English communication skills.
• Ability to adhere to Needham Bank's Core Values (Focus on Customer Relationship, Embrace Change, Work as a Team, Be an Asset to Your Community, Always Learn, and Do the Right Thing).

• Bachelor's degree in business, finance or related area.
• Five or more years' experience in commercial banking.
• Educated in banking federal and state regulations and laws.
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

• Normal business office environment.
• This position can be based in either our Bedford, NH or Portsmouth, NH office.

Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program.

We offer a great benefit package to our eligible part‑time employees as well.

Pay Range: $ - $

The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting.

Actual pay may vary based on experience, skills, and market factors; additional compensation may apply.

Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.