Business Banking Officer

About the role

Newburyport Bank is a community bank supported by the strength of its shared services organization, River Run, and banking affiliates, Pentucket Bank and Rollstone Bank and Trust. Together, they shape the evolution of community banking through innovation and strong partnerships, while preserving the personalized service valued by their customers.

Responsibilities

• Develops and manages relationships with small to mid-sized business clients.
• Serves as a key point of contact for businesses seeking loans, deposit solutions, and cash management services.
• Collaborates closely with partners across various business lines to deliver full-service banking solutions.
• Identifies new business opportunities within the bank’s defined market areas to attract and retain quality clients.
• Generates new business by networking with professionals such as real estate brokers, accountants, attorneys, and other centers of influence.
• Recommends and sells a range of banking products, including loans, deposits, and treasury management solutions.
• Manages the end-to-end credit process, including loan structuring, approval, documentation, and closing in collaboration with underwriting and credit teams.
• Stays current on all Bank products, services, procedures, policies, and applicable regulatory and compliance requirements.
• Ensures adherence to federal and state laws, regulations, and bank policies by preventing violations, minimizing risks, and safeguarding the Bank’s interests.
• Verifies transactions and account balances, ensuring compliance with bank policies and state and federal regulations and the Bank Secrecy Act (BSA).

Requirements

• Bachelor’s degree in business or related field.
• Minimum of 5 years related experience and/or training or the equivalent combination of education and experience.
• Strong working knowledge of appropriate credit structure and key factors of Bank policy guidelines related to assessing credit quality.
• Excellent oral and written communication skills.
• Highly organized and proactive planner with strong time management skills.
• Demonstrated ability to assess a loan applicant risk profile and manage credit structure and the risk inherent to lending.