Under the direction of the VP Small Business Team Leader, this
position will primarily focus on Business Development. The Officer
will be responsible for new to bank prospecting and acquisition,
securing small business deposits, loans, and other banking products
(fee income, cash management, merchant, etc.), and achieving
Include the following. Other duties may be assigned.
Small Business Portfolio Development & Management
Proactively source and acquire new business banking customers
and households. Identify and match customer product needs with
HarborOne Bank products and services by interviewing customers and
assessing their business and financial needs. Deliver exceptional
service at every customer interaction. Effective communication
skills with diverse groups and individuals. Maintain a strong and
visible market presence in order to promote the Bank and the
department. Adhere to account opening procedures including accurate
collection, completion and updating of required information.
Maintain a thorough knowledge of all HarborOne Bank products and
services, procedures, policies, and appropriate regulatory issues
in relation to deposit, transaction, and loan accounts. Sell small
business loan and deposit products, taking applications, and
managing the closing process. Promote the cross selling of other
products and services of the other Divisions of the Bank i.e.
Retail, Residential Mortgage, Consumer and Operations. Manage the
annual review and line of credit renewal process in adherence to
HarborOne policies and procedures. Maintain an understanding of the
industry and awareness of competitor's products and services. Keep
management informed of competitive practices. Regular travel
throughout the branch region.
Participate in the underwriting of loan requests to new and
existing customers Verifying financial information and analyzing
financial statements Conduct credit checks and gather market
information Insure all loans are in compliance with internal policy
and meet regulatory requirements
Represent the Bank in the marketplace
Effectively promote HarborOne & our business services thru
involvement in the community Participate in various events
sponsored by business associations
Compliance & Risk
Knowledge of standards and practices, regulations, federal,
state and local laws related to consumer and residential lending
Maintain an excellent understanding of applicable regulations and
laws including but not limited to; Bank Secrecy Act; Privacy; Fair
Lending and HMDA. Maintain an up to date understanding of Bank
policies and procedures as they relate to compliance. Complete
appropriate compliance training.
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
EDUCATION and/or EXPERIENCE
At least three years recent related business lending experience.
Bachelor's degree (B. A.) or equivalent from four-year College or
technical school preferred. Demonstrated ability to be successful
in an independent sales environment. A proven ability to develop
and close small business loans in the target market; solid
knowledge of sales strategies; excellent interpersonal
communication skills. Good understanding of credit products.
Ability to read and interpret documents such as safety rules,
operating and maintenance instructions, and procedure manuals.
Ability to write routine reports and correspondence. Ability to
speak effectively before groups of customers or employees of
Ability to calculate figures and amounts such as discounts,
interest, commissions, proportions, percentages, area,
circumference, and volume. Ability to apply concepts of basic
algebra and geometry to practical situations.
Ability to solve practical problems and deal with a variety of
concrete variables in situations where only limited standardization
exists. Ability to interpret a variety of instructions furnished in
written, oral, diagram, or schedule form.
HarborOne Bank is an equal opportunity employer and all
qualified applicants will receive consideration for employment
without regard to race, color, religion, sex, sexual orientation,
gender identity, marital status, national origin, disability
status, protected veteran status, or any other characteristic
protected by law.
Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions.