Job Title:   Commercial Loan Officer
09 / 11 / 2013

JOB SUMMARY: Responsible for representing Westfield Bank to potential external customers for the purpose of developing both commercial loan and business deposit services.

A.  ESSENTIAL FUNCTIONS (Listed in order of importance, frequency or sequence, 1=most important/frequent, etc.). NOTE:  Indicate non-essential accountabilities with an asterisk*.  All other functions are “absolutely necessary for this job”.
1. Establishes and maintains profitable customer relationships with business clients by providing financial advice and Bank solutions. 
2. Networks within the business/civic communities to create new sales and business development opportunities for the full range of Westfield Bank services.
3. Creates and designs flexible commercial lending solutions for customers, presents lending solutions to Bank Executive team and potential customers.
4. Uses prior banking/business experience, understanding of cash flow, asset/liability valuation to analyze and recommend loan requests and set loan pricing options.
5. Understands, respects and complies with all laws, rules and regulations which govern Banking institutions. 
6. Constructs, prepares and presents financial reports, credit summary memos that comply with Bank standards.
7. May resolve difficult client situations involving the collection of delinquent loans, etc.   
8. Continually looks for opportunities to proactively upgrade and improve Bank administrative processes, technology, automation and controls.
9. Maintains awareness, understanding and compliance with the Bank's internal policies and procedures, laws and regulations appropriate for this position.
10. Provides assistance in response to regulatory and internal/external audit requests.
11. (*) Performs other functions as assigned to support operations.

Bachelor’s degree or commensurate experience and a minimum of 1- 5 years experience in commercial bank lending.
Strong written, oral, interpersonal and presentation communication skills.
Must display a high level of initiative via an entrepreneurial spirit.
Must also possess strong attention to detail, ability to multi-task and solid analytical, problem solving skills.   

1. Ability to operate various types computer equipment and software programs.
2. Ability to operate a telephone.
3. Ability to travel.
4. Must be an acceptable driver per Westfield’s driving policy.


Westfield Bank is an Equal Opportunity/Affirmative Action Employer.
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