Analyzes and underwrites credit requests for prospects and customers for the Business Banking area; monitors and maintains new and existing portfolio of customers.
Principal Duties and Responsibilities:
Analyze and underwrite C&I and CRE credit requests with attention to the 5 C's of Credit: Character (FICO), Capacity, Capital, Collateral, & Condition of their asset, whether all business assets (ABA), real estate or otherwise.
Underwrite new loans and loan renewals in compliance with the Bank's loan policies.
Spread tax returns and/or financial statements using Moody's or Baker Hill Financial Analyst
Have strong knowledge of business and personal tax returns
Be proficient with Financial Analyst Software
Assist with credit scored loan requests
Must meet or exceed department productivity standards for decision turnaround time
Perform company and industry research.
Present analysis in written proposals for approval.
Assist in compliance with regulatory issues such as Reg B, Fair Housing, CRA, Flood, etc.
Portfolio Manager Responsibilities:
Manage a portfolio of existing customers
Produce portfolio status reports and use to facilitate portfolio management activities.
Timely management of existing portfolio of customers by tracking and preparing annual renewals
Identify potential problem loans, delinquent accounts and other loan deficiencies.
Communicate and interface daily with Business Development Officers, Branches and internal and external customers assisting them with questions regarding loans and retail products.
Job Specifications (Skills, Knowledge and Abilities Required)
Bachelor's degree in relevant field
Minimum of (2) two years of commercial credit experience
Formal credit training is preferred
Excellent written and oral communication skills
Extensive knowledge of PC applications, including Excel, Word and Access
Be well versed in the Bank's credit policy and underwriting standards
Be familiar with and fulfill compliance requirements
Proven record of strong analytical and problem solving
Results-oriented team player skilled at achieving goals on time
Must be self-motivated and possess a positive attitude \
Strong organizational skills and dependable
The above statements are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description is subject to change at any time.
Brookline Bancorp, Inc.