Harborone Bancorp, Inc. Brockton , MA 02303
Posted 2 months ago
Overview
The Commercial Credit Officer is responsible for the evaluation of commercial credit risk and deal structure for commercial & industrial and commercial real estate customers. Prepare a thorough analysis of all aspects of the credit, including the preparation of financial/industry projections in conformance with established Bank policies, strategies and procedures for new loan requests, renewals, and annual reviews. Review standard loan documentation for conformance with approval terms.
Responsibilities
Responsibilities:
Underwriting Credit Requests
Interact with Lending Officers to Complete Credit Request
The Commercial Credit Officer is the senior analyst of the underwriting team and will be working on more complex and larger loan requests. This will involve a great deal of interaction with the lending officers occasionally attending joint calls to gather the necessary information.
The senior credit analyst should be knowledgeable and comfortable to give direction on structuring of credit proposals to protect the Bank.
Assist Teammates
Other Duties
Conduct periodic portfolio reviews and credit & legal file audits.
Compliance covenant testing and follow for financial reporting requirements.
Assists with special projects or other duties as assigned.
Qualifications
Required Skills:
Bachelors degree in business related field and 5+ years of specific work experience or a combination of education and work experience.
Solid experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical/technical skills, including financial accounting, modeling, and loan structuring.
Oral Communication: Speaks clearly and persuasively in positive or negative situations. Listens and gets classification; Demonstrates group presentation skills; Participates in meetings.
Written Communication: Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
Ethics: Treats people with respect; Keeps commitments; Works with integrity and ethically.
Strong technical and analytical skills
Effective written and verbal communication skills
Thorough knowledge of credit policy, procedures, regulation, and applicable law
Computer Skills: Proficiency in Microsoft Office Suite, with intermediate Excel and Power BI skills, preferred.
Compensation:
Offers will be determined based on job-related knowledge, skills, experience, and location.
Benefits:
Our benefit package* may include:
Paid vacation and sick time
Medical and dental insurance
Pre-tax premium program
Health Reimbursement Account/Health Savings Account
Employee Stock Ownership Plan (ESOP)
401K plan
Life Insurance
Tuition reimbursement and tuition assistance programs
Short term and Long term disability insurance
Harborone Bancorp, Inc.