Middlesex Savings Bank

  • Commercial Banking Officer III

    Location US-MA-Natick
    Posted Date 1 month ago(6/19/2018 5:14 PM)
    Req #
    Commercial Banking - Commercial Banking
    Position Type
    Full Time
    Standard Working Hours
    Monday - Friday 8:00am - 5:00pm
  • Overview

    The incumbent provides superior relationship management and portfolio management for a large commercial loan portfolio that consists of a number of significant bank relationships.  This involves (i) interacting regularly with assigned customers to stay abreast of their banking needs, business strategy and operating performance in order to provide superior banking service; and (ii) ensuring required financial information is provided on a timely basis, and is reviewed and analyzed promptly to identify any areas of potential concern.  In addition, the incumbent develops new loan and deposit business from both new and existing customers.


    • Maintain regular contact with existing customers through a combination of email, telephone and face-to-face visits. Demonstrate a thorough understanding of each customer’s business strategy and offer ideas and banking solutions to help them achieve their goals.  Arrange for periodic contact by senior bank management (Team Leader, CCBO, CEO, as appropriate) to ensure each customer has a bank executive they can contact if needed.
    • Ensure that all financial statements, covenant compliance certificates, borrowing base certificates, personal financial statements, and any other required financial reporting is received, logged and reviewed on a timely basis. Ensure that borrowing base and covenant compliance certificates are prepared and signed by an appropriate party of the Borrower.
    • Manage the structuring of commercial loans and the negotiation of loan documents, and ensure that final documentation is consistent with credit approval documents.
    • Work collegially with the Credit Department to insure high quality credit analysis and risk assessment are developed.  Present credits for approval.  Ensure that all appropriate information is delivered to Loan Servicing, the Credit Department, or other administrative units.  Ensure that record keeping is accurate and current.
    • Develop new business relationships.  Build and nurture productive outside referral sources.  Identify qualified potential customers and initiate business development efforts to establish banking relationships.  Determine product/service solutions, referring the opportunity to the appropriate department.
    • Maintain the reputation of the Bank with customers, prospects, referral sources, and community-based organizations
    • Perform all duties in accordance with prescribed Bank and regulatory compliance guidelines. Ensure all commercial loan relationships are in full compliance with Bank policies and applicable federal and state laws and regulatory guidelines. Recommend changes as necessary to support prescribed requirements.
    • Represent the Bank through active participation in community and industry organizations and events and promote the business interests of the Bank.
    • Perform other duties as may be required.


    • Bachelor’s Degree and Credit Training.
    • At least ten years of commercial credit and/or business lending experience. 
    • Effective analytical, organizational, business development, presentation, problem-solving, negotiation and customer service skills. 
    • Must possess at least intermediate technology skills, including knowledge of word processing, database and spreadsheet applications. 
    • Must be able to travel throughout defined market.

    Middlesex Savings Bank is an EOE AA M/F/Vet/Disability organization


    Search Firm Representatives, Please Read Carefully

    Middlesex Savings Bank does not accept unsolicited resumes from search firms for this or any employment opportunity.




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