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Construction Loan Officer

4 months ago

Salem, United States SFB Full time
Salem Five is a growing regional financial services organization with a rich history of over 160 years. As an independent bank, we are deeply rooted in the communities we serve and offer our employees successful and rewarding careers.

Who We Are:Join an organization that prioritizes innovation, customer service and supporting the communities we serve. Love the people you work with while participating in and helping to shape our collaborative environment. When you join Salem Five, you become part of a growing, regional financial services company. Salem Five has more than 30 retail banking branches throughout Essex, Middlesex, Norfolk and Suffolk counties, strong business banking capabilities, an Insurance division, a Wealth Management & Trust organization and a Mortgage Company that has provided homeownership to generations of families.

Why Salem Five:We've been around since 1855 - which means we will be around a lot longer - but we also know what it takes to be competitive in this day and age. We pride ourselves in being one of the first banks on the internet and continually try and push ourselves to offer the latest in online and mobile banking to serve our customers in whichever channel they prefer. Whether it be a virtual assistant via our website, obtaining cash at ATMs without a card present, or going through the mortgage process via our digital app, we want to offer the digital experiences that customers want. Continued company growth offers opportunities for individual growth.

Salem Five believes deeply in supporting the communities in which we reside. Donations through our Charitable Foundation or events at the branch or location-level are an important part of our DNA. We would not be the company we are without our commitment to businesses and organizations that help the region thrive and to our employees. Come see what we're all about.

JOB DUTIES AND RESPONSIBILITIES include, but are not limited to the following:

Direct Lending to Builders and Developers:

  • Attends home builder association meetings and direct meetings with Bank customers and potential customers.
  • Develops business and originates construction loan opportunities in addition to assisting SVP with existing portfolio.
  • Conducts market research for potential lending opportunities.
  • Evaluates creditworthiness, liquidity and net worth of customer/guarantors and determines ability to service proposed debt.
  • Prepares term sheets for potential lending opportunities.
  • Ensures that all compliance requirements are met for loans prior to closing
  • Provide underwriters with all relevant documentation to secure loan approval.
  • Prepare commitment letters upon loan approval; and ensure that closing conditions are met prior to closing.
  • Accountability for all portfolio management functions, including overseeing construction disbursements and ensuring compliance with loan covenants.
  • Ensuring adequate file documentation including file comments, maturity extensions, and approval memoranda for changes in terms.
  • Maintains an up-to-date knowledge of construction lending policies and procedures as well as construction industry related information.
  • Responds promptly and professionally to all internal and external communications.
  • Provides an outstanding customer experience to Salem Five customers and prospects.
  • Ability to demonstrate a high level of proficiency with Salem Five's digital technology offering
  • Proficient utilizing desktop applications such as MS Office (Excel, Word, Exchange)
  • Proficient utilizing the Internet (mobile and desktop) to search and locate information
  • Embrace new and emerging technologies to support operations and customers through flexibility and the ability to learn and adapt to change
  • Demonstrates compliance with banking business laws and regulations as defined in company policies and procedures pertinent to the position.
  • Perform special projects as requested by management including, but not limited to areas involving systems, issues, and documentation.
  • Regular attendance is essential to this position.
  • Assumes additional responsibilities as requested.
SUPERVISORY RESPONSIBILITIES

Provides leadership to one manager who supervises a total of three employees in the Construction Loan Department. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

Skills Required
  • Formal Credit Training required. Must understand and be familiar with discounted cash flow methodology, particularly as it is utilized in real estate appraisals. Must be able to perform cash flow and debt service coverage calculations.
  • Word and Excel skills required, along with ability to learn and operate comfortably within all specialized Bank software
  • strong time management and organizational skills required
  • excellence in customer service and communication skills required
  • ability to work in a team oriented service driven environment.


EDUCATION and/or EXPERIENCE

Bachelor's degree (B. A.) from four-year college or university; and minimum of 7 years related experience and/or training; or equivalent combination of education and experience.

Competencies

To perform the job successfully, an individual should demonstrate the following competencies:

Organizational Support - Follows policies and procedures; completes administrative tasks correctly and on time; supports organization's goals and core values; benefits organization through outside activities; supports affirmative action and respects diversity.

Interpersonal Skills - A strong collaborator with customers and co-workers; focuses on responding to customer inquiries; maintains confidentiality; keeps emotions under control; remains open to others' ideas and tries new things.

Oral & Written Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings; writes clearly and informatively; varies writing style to meet needs; presents numerical data effectively.

Teamwork - Balances team and individual responsibilities; exhibits objectivity and openness to others' views; gives and welcomes feedback; contributes to building a positive team spirit; able to build morale and group commitments to goals and objectives.

Quality Management - Looks for ways to improve and promote quality; demonstrates accuracy and thoroughness.

Business Acumen - Understands basics of the business and related implications of decisions

Cost Consciousness - Works within approved budget; conserves organizational resources.

Ethics - Treats people with respect; works with integrity and ethics; upholds organizational values.

Analytical - Has the ability to organize data, both financial and systemic information, and to make assessments that will be used to optimize systems or financial performance.

Problem Solving - Identifies and resolves problems in a timely manner; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.

Reasoning Ability - Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to sit; use hands to finger, handle, or feel; and talk or hear. The employee is occasionally required to stand, walk, and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Benefits/Incentives: Health Insurance, Dental, Vision, Flexible Spending Account, Health Savings Account, 401k Matching, Employee Referral Program, Summer Family Outing, Annual Holiday Reception and more

Salary Range:Competitive Base

Ready to apply?If this job sounds like a fit for you, then click onApply/Apply Nowin this posting. We look forward to talking withyou.

Qualifiedcandidates may also submit a resume and application online at salemfive.com/careers or mail your resume to Human Resources, 210 Essex Street, Salem, MA01970.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)