Job Description

Bank

Rhode Island, a division of Beacon Bank & Trust,

is committed to our customers, colleagues and communities that we serve. Staff members are required to demonstrate excellence in customer service and maintain a working knowledge of the Bank's products and services. Our staff strives to provide excellent customer service and act in the capacity of a financial service professional by engaging in needs-based relationship building conversations. This includes an ethical approach to uncovering customer needs and recommending appropriate products, services, and solutions to meet the customers long and short-term financial goals.


Currently, we are seeking an ambitious

Commercial Banker I

who thrives in a team setting, is driven, has integrity, is authentic, and has experience in Commercial Banking. This position is located in our Turks Head, Providence, RI. location. The primary responsibilities include developing relationships and bringing new business to the Commercial C&I team; as well as managing, growing and maintaining existing loan portfolios.

Principal Duties

and

Responsibilities

New

Business -

This position will independently develop new business opportunities through business development efforts; including new client solicitation, active involvement in industry organizations, and expansion of existing client base. This will include the underwriting of loans by analyzing financial information and related reports and the preparation and presentation of credit approval memorandums. In addition, this position will document loans by ordering appraisals and environmental reports, issuing commitment letters, coordinating closings and overseeing the loan booking process. In addition to the development of loan opportunities, the Banker will work to increase deposits from clients, and generate non-interest fee income through the appropriate recommendation of interest risk hedging products, cash management sales, foreign exchange services and referrals to partner organizations.

Portfolio

Management -

Responsible for the ongoing maintenance and customer service of the assigned loan portfolio. Monitor the ongoing credit quality of the portfolio and assess the credit quality of each relationship in accordance with policy including the completion of annual credit reviews and periodic renewals throughout the year. This position will be responsible for the accurate entry of information to track/monitor the status of the portfolio.

Job Specifications

5+ years of commercial lending and underwriting/portfolio management experience

Established relationships in the community, understand the C&I marketplace within the Bank's target area Strong understanding of banking credit policies, guidelines and legal regulations Excellent communication skills, both written and verbal Ability to deliver excellent customer service, possess solid interpersonal skills Have familiarity with other products and services offered by the Bank, for cross-selling purposes * Bachelor's degree or equivalent