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FUNCTION: Working under the direction and guidelines established by the Senior Commercial Administrative Manager or designee, the Senior Commercial Loan Administrator II (SCLA) is the primary servicing representative for commercial banking relationships which may include large and complex deals. The SCLA works independently and works directly with commercial banking clients. SCLA exercises discretion and makes independent decisions within their authority, addressing and elevating servicing issues. In addition, the SCLA undertakes special projects as directed by the Director of Commercial Banking, the Senior Commercial Administrative Manager, or Loan Admin. Supervisor. The SCLA consistently supports the commitment to compliance by adhering to all applicable federal, state, and local laws and regulations and Bank policies and procedures.

KEY ACCOUNTABILITIES:

+ Processes all daily teller transactions for loan disbursements, payments, and account and wire transfers

+ Provides the appropriate loan upload form for accurately loading new loans to the Bank’s system

+ Establishes and maintains loan and relationship files, ensuring they are complete for both internal and external loan reviews and audits, including annual FDIC examination

+ Functions as primary contact with Loan Services for proper billing, maintenance, and modification requests.

+ Coordinates the preparation of commitment letters, modifications, and renewals, using judgment and experience to ensure accurate documentation.

+ In conjunction with a Relationship Manager, prepares loan documentation and coordinates closings. Works closely with the Closing Attorney for proper loan documentation and funding. Reviews documentation for adherence with approved terms and conditions.

+ Shows a high level of accuracy and detail in their work.

+ Is conscientious and persistent to find accurate and customer friendly solutions.

+ Tracks financial statements, covenants, etc. on appropriate software and works with the relationship team to collect information.

+ Provides a high level of service to clients which may include making independent decisions.

+ Responsible for updating and maintaining reports such as the BIC, Suspense, and Pipeline.

+ Reviews reports such as SLTV, HVCRE, TDRs, and Risk Ratings for accuracy. If issues are found, works with appropriate teams to resolve.

+ Performs Quality Assurance check back on loans.

+ Process Government Guaranteed loans.

+ In conjunction with the Loan Administration Supervisors and Sr. Commercial Administrative Manager, involved in planning, implementing and helping to maintain projects that may involve other business lines.

+ When applicable, acts as a liaison between the Commercial Loan Administrators and the Supervisors to provide day to day guidance.

JOB KNOWLEDGE:

+ Works with Bank’s loan documentation system to create loan documentation for closings. May work with title companies or law firms to coordinate closings. Reviews title polices in conjunction with loan closings.

+ Is proficient in the receipt and review of borrowing base certificates; works with Credit Support for review; responsible for the monthly update of availability on Jack Henry.

+ Is proficient in the creation and delivery of Letters of Credit; working directly with borrowers and beneficiaries to resolve issues or answer questions; invoices and collects fees.

+ Is proficient in handling complex loan closings which may involve Tax Credits or Construction. Works closely with third parties to administer the loan in a professional manner.

+ Is able to coordinate the construction disbursement process in conjunction with the Portfolio Manager.

+ If applicable, is proficient handling SWAP transactions and is able to answer borrower and internal staff questions regarding the monthly transactions.

+ Advises and assists Relationship Managers with resolving any loan documentation deficiencies

+ Follows up with Bank Counsel to correct errors or obtain missing items

+ Understands the overall Commercial Loan Admin. process in order to help train, review co-workers loan packages, and review bank wide reports for accuracy.

+ Has a solid understanding of commercial loan processes and procedures to help lead and manage special projects and tasks.

Customer Contact:

+ Initiates and receives customer contact regarding billings, loan payments, fees, other charges, and related administrative matters

+ Takes responsibility for resolving customer inquiries

+ Researches resolutions, some of which are complex in nature, and responds promptly to customer in writing, email, or by telephone as necessary

+ Greets customers, answers phone calls, coordinates appointments

+ Provides the highest quality of service to every customer in the Bangor Savings Bank tradition of teamwork and customer satisfaction

Compliance and Control:

+ Assists in ensuring the Bank complies with local, state and federal regulations.

+ Reviews loan documentation for completeness, accuracy, and compliance with approvals.

+ Advises and assists Relationship Managers with resolving any deficiencies.

+ Follows up with Bank Counsel to correct errors or obtain missing items.

+ Coordinates with the RMs and PMs and acts as a resource during Commercial Banking exams/audits/reviews.

Training:

+ Assist the Loan Admin Supervisor with training existing staff throughout the Bank.

+ Takes initiative to enforce procedures and ensures compliance for all transactions

+ Assist the Loan Admin Supervisor in providing training for new Commercial Loan Administrators throughout the bank.

General:

+ Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork

+ Works to continue professional development through maintaining a positive team environment with all levels of staff and management

+ Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook

+ Performs additional duties as requested

COMPETENCIES

+ Manages time well, handles information flow well, accepts accountability, meets accuracy standards

+ Adapts to change, is open to new ideas, and takes on new challenges

+ Promotes a team atmosphere, selflessly pitches in, shares information, partners well with others

+ Maintains clean/functional work space that keeps information organized, accessible and secure

+ Communicates well both verbally and in writing

+ Assumes responsibility for solving customer problems, handling service issues politely and efficiently and following appropriate procedures

TEAMWORK, KNOWLEDGE/SKILL & EXPERIENCE REQUIREMENTS:

+ High school diploma or equivalent; college degree preferred.

+ Two to four years servicing commercial banking relationships

+ Three to five years related banking experience

+ Able to read and interpret complex loan documents

+ Excellent customer service skills

+ Proficiency with Microsoft Office products such as Word and Excel

+ Specific familiarity with appropriate software

+ Strong communications skills, verbal and written

+ Ability to work with little supervision and make independent decisions

+ Ability to manage and prioritize multiple tasks concurrently in a fast paced environment

+ Required to attend ongoing training sessions to improve professional skills

PHYSICAL DEMANDS, CONDITION REQUIREMENTS, & EQUIPMENT USED:

+ General office environment

+ Essential functions of the job are performed on Bank premises

+ Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required

RELEVANT TECHNOLOGIES:

+ Microsoft Office products: Word, Excel, Outlook, PowerPoint

+ LaserPro

+ Lending Cloud

+ Jack Henry

External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.

At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement.

We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well-done.

At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters.

Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and/or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed. This application will remain active for a period of 90 days. If, after such time, you still wish to be considered for employment, you must reapply. Bangor Savings Bank does provide workers compensation coverage for employees injured on the job. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.