Summary:
Acquires new Bank relationships, actively manages portfolio of approximately 80 clients with annual revenues of $1 million to $50 million, and works closely with Office location partners. Plays key role in building relationships with Bank’s clients and delivers exceptional customer experience, designed to retain and grow relationships.

Responsibilities:

• Develops and maintains new and existing business relationships.
• Establishes productive referral network consisting of attorneys, accountants, and other professionals within market area.
• Conducts research on businesses, reviews tax and financial statements, and interprets balance sheets, pro-forma ratios, annual budgets, and profit and loss statements.
• Collaborates with credit department for receipt of applicant credit reports, background, reference checks, and financials in order to make an educated decision and/or approval for loans.
• Negotiates loan structure, including interest rates, fees, loan repayment options and other credit terms. Refers loans to higher authority for approvals.
• Handles ongoing portfolio of commercial loans, including monitoring payments, financial performance and collateral position.
• Assumes timely responsibility for compliance with approved loan covenants and regulatory requirements.
• Prepares and organizes required reports, memos, and any other necessary documentation on a timely basis.
• Cross sells products and services to existing relationships.
• Promotes Bank’s presence through participation and attendance at various civic and charitable event/organizations.

Qualifications:

• Bachelor’s degree with concentration in business, finance, or management or equivalent work experience.
• Minimum 10 years’ experience in Business Banking including 2 years as credit analyst, 2 years as Commercial Portfolio Manager, and 2 experience in commercial sales/lending environment. or related business development experience.
• Knowledge of core business products and services.
• Local market knowledge.
• Excellent credit skills.
• Excellent written and verbal communication skills.
• Excellent interpersonal skills.
• Strong ability to meet deadlines.
• Proven track record of loan production and outside calling skills.
• Ability to develop strong client and colleague relationships.
• Ability to develop, retain, and expand relationships with Centers of Influence (e.g. Certified Public Accountants and Attorneys).
• Valid driver’s license.

Working Conditions/Physical Demands:

• Normal office environment.
• Frequent sitting and standing at a desk.
• Heavy keyboard use.
• Moderate driving.
• Required to be available outside of normal business hours.

Individuals must be in compliance with Cambridge Trust’s COVID 19 Vaccination Policy. For a copy of this policy, and/or reasonable accommodations, please contact HumanResources@cambridgetrust.com.

Although we list out what we generally look for, we are likely missing other attributes and skills you have that could make you a great fit. Research has shown, this especially applies to women and other marginalized groups who tend to apply if they check 100% of every box, versus men who apply if they hit roughly 60%. The point we’re getting at, it doesn’t hurt to take a chance and apply!

Cambridge Trust Company is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities.

• External and internal applicants, as well as position incumbents who become disabled as defined under the Americans with Disabilities Act must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case-by-case basis