Commercial Loan Officer, Head of Commercial & Industrial Lending

Woburn, MA
Full Time

The Head of Commercial & Industrial (“C&I”) Lending is responsible for managing a team of commercial lenders and related support staff, providing guidance to the C&I Lending Team, and acting as a conduit with the Bank’s executive management. The primary role of the C&I Lending Team is working towards the acquisition of new clients while retaining and further developing profitable relationships within the Bank’s C&I loan portfolio.


  • Responsible for motivating and directing the C&I Lending Team toward revenue-generating sales opportunities, customer satisfaction, and goal achievement. 
  • Cultivate long-term relationships with clients and outside professional centers of influence by developing positive Bank recognition by attending and coordinating networking events and functions. 
  • Maintain and develop Bank’s existing C&I portfolio by assessing and meeting client’s needs and from referral sources.
  • Strong ability to work with Bank’s credit team to accurately represent opportunities, and ultimately negotiated proper loan structures.
  • Anticipate and deliver on client needs through advanced product and industry knowledge, technical expertise, and strong transaction execution skills. 
  • Maintain comprehensive understanding of current C&I products offered in the banking industry.
  • Resolve non-routine and complex problems with specialized knowledge and independent action.
  • Demonstrate considerable judgment and authority to act.
  • Individual contributor.
  • Supervise workflow of the C&I Lending Team.
  • Accountable for content and quality of the C&I Lending’s Team’s work product by working closely with loan officers and analysts on their successful and timely completion of all tasks.
  • Responsible for understanding the impact of C&I lending on the Bank’s goals.
  • Meet and exceed annual lending goals set forth by the Bank. 
  • Verify quality, completeness, and accuracy of supporting loan documentation and analysis while ensuring loans comply with the Bank’s lending policy and regulatory requirements and procedures (State and Federal). 
  • Maintain properly documented files and manage renewals and collection efforts on past due and defaulted loans.
  • Maintain accurate department records and other duties as assigned by supervisor.
  • Assist in various special projects as assigned.
  • Flexible schedule - must participate in Bank events during and after hours. 


  • 5+ years of commercial lending experience preferred.
  • Master’s degree in business, finance, or accounting preferred.
  • Strong analytical, technical, and statistical skills.
  • Sound knowledge of credit risk, accounting principles, financial statements, and tax returns.
  • Strong understanding of the banking industry and the regulatory requirements associated with it.
  • Excellent decision making / problem-solving skills.
  • Advanced writing and oral communication skills.
  • Ability to multitask, prioritize, and manage time efficiently.
  • Strong computer skills, including Microsoft Office products and lending programs.
  • Proven track record of relationship/portfolio management as well as loan origination.

About Northern Bank & Trust Company

Northern Bank is a full-service bank dedicated to providing practical, common sense financial solutions to help our customers live their lives and grow their businesses. From deposit products to loans to payment and collections services, we work hands-on with our entrepreneurial customers, both locally and across the country, to provide the financial support they need to realize their personal and business goals. Founded in 1960, Northern Bank has assets of $2.65 billion with 13 locations serving communities throughout Middlesex County. Northern Bank is a Member of the FDIC, and an Equal Housing Lender. For more information on online banking services, please visit or follow Northern Bank on Facebook (/NorthernBankM A/), Twitter (@northernbankma), Instagram (@northernbankma) and LinkedIn (company/northern-bank-ma/).


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