SUMMARY: The VP, Senior Lender is responsible for developing effective ongoing banking relationships with new and existing business customers. Utilizing their knowledge of lending practices, business acumen and financial analysis, the Senior Lender develops and services a portfolio of business loan, deposit, treasury and payment service customers.

ESSENTIAL DUTIES AND RESPONSIBILITIES North Shore Bank's Position Descriptions are intended to describe only the major functions of the job. You may be expected to perform other duties specified by your manager. Everyone is expected to contribute whatever efforts necessary to operate efficiently and effectively to ensure the success of the Bank.

Achieves successful loan production, deposit, treasury, and payment services objectives through prospecting, developing client relationships, and maintaining adequate loan outstandings. Annual individual loan production goal minimum of $10 million in commercial loans (excludes investment commercial real estate as this is not part of this portfolio).

Develops a prospect-calling program and an effective referral network.

Pursues business banking referrals from all sources within the middle market (i.e., clients with revenues between $15 - $75M).

Develops and maintains appropriate long-term relationships with loan and deposit customers.

Actively participates in professional and civic groups in our communities in order to network with appropriate businesses and referral sources.

Performs initial assessments of loan requests and advises customers regarding credit criteria; gathers pertinent customer information and performs business analysis required to structure, underwrite, and document loan requests.

Monitors and take necessary actions on delinquent customer accounts to resolve payment issues, including loan renewals to avoid delinquencies.

Entertains major customers from market area on a regular basis.

Attends and contributes to weekly business banking sales and credit meetings.

Closes loans according to Bank's policies and procedures.

Contributes input to market issues and bank strategy as it relates to overall business banking.

SUPERVISORY RESPONSIBILITIES: While no direct supervisory responsibilities, they are expected to mentor and develop team on credit disciplines and managing a sound credit portfolio.

QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE: A high school diploma or its equivalent is required. A bachelor's degree is preferred. Requires at least ten years of experience in middle-market lending, with demonstrated effective credit and underwriting skills.

OTHER SKILLS AND ABILITIES: Exceptional interpersonal communication and sales skills are necessary; ability to analyze financial statements is required. Competency in Microsoft Office Products is a must.