Commercial Relationship Manager (C&I Lending)

North Easton Savings Bank; Easton (MA); Hybrid; USD 90,000 - 140,000; Full time

Job summary

North Easton Savings Bank seeks a C&I Commercial Relationship Manager to develop and manage a portfolio of middle-market C&I loans, ensuring compliance with credit policies and regulatory requirements while growing the bank's commercial lending business.

You will originate new opportunities, analyze financial statements, prepare credit memos, structure loan terms, and collaborate with Credit Administration and Loan Operations to deliver timely underwriting and documentation.

Qualifications

• Bachelor’s degree in finance, business, accounting, or related field.
• 7–15 years of commercial lending, credit analysis, or relationship management experience in a financial institution.
• Experience with a community bank or regional bank credit culture preferred.
• Proven ability to source new business and manage a commercial loan portfolio.
• Strong financial statement analysis, cash-flow analysis, and collateral evaluation.

Responsibilities

• Originates new C&I focused commercial lending opportunities through proactive business development and referrals.
• Builds and manages a portfolio of commercial relationships and monitors credit quality.
• Meets or exceeds annual production, revenue, and portfolio growth goals.
• Analyzes financial statements, tax returns, collateral, and borrower creditworthiness.
• Prepares comprehensive credit memos with risk ratings and loan structures.
• Structures loan terms balancing client needs with risk management and coordinates with Credit Admin and Loan Ops.

Skills

Financial statement analysis

Credit analysis

Relationship management

Business development

SBA lending knowledge

Negotiation

Loan origination software proficiency

Education

Bachelor’s degree in finance, business, accounting, or related field

Tools

Loan origination systems

Microsoft Office

Job description

Description

The C&I Commercial Relationship Manager is responsible for developing and managing a portfolio of high-quality C&I commercial loans while ensuring compliance with the Bank’s credit policies, regulatory requirements, and risk appetite. This individual will generate new business, deepen existing client relationships, and contribute to the overall growth and profitability of the Bank’s commercial lending division.

Typical Loan Size: $1M–$10MM

Typical Deal Complexity: Moderate to High (C&I, cash flow loans, participations, etc)

Portfolio Composition: Mix of lower and middle market C&I

Essential Job Responsibilities

The essential functions include, but are not limited to the following:

Performs any function, within scope of authority and expertise and in conformance with established Bank policies, strategies, and procedures, to provide the highest level of service and responsiveness to the customers served by the Bank.

• Originates new C&I focused commercial lending opportunities through proactive business development, networking, and referral source cultivation.
• Builds and manages a portfolio of commercial relationships and monitoring credit quality, presenting relevant data and recommendations to Team Leader when appropriate.
• Meets or exceeds annual production, revenue, and portfolio growth goals.
• Analyze financial statements, tax returns, collateral, industry trends, and borrower/guarantor creditworthiness.
• Directs the preparation of comprehensive credit memos consistent with Bank standards, including risk rating recommendations as well as loan and covenant structures.
• Structures loan terms that balance client needs with risk management.
• Works closely with Credit Administration and Loan Operations to ensure complete, accurate, and timely underwriting and documentation.
• Proactively identifies deteriorating credits, recommend appropriate action plans, and work with internal stakeholders on remediation.
• Serves as the primary point of contact for borrowing and deposit clients, providing exceptional service and responsive communication.
• Identify cross-sell opportunities including treasury management, deposit, and other Bank products to maximize relationship profitability.
• Maintains strong working relationships with internal partners to ensure seamless client experiences.

Knowledge, Skills and Work Experience

• Bachelor’s degree in finance, business, accounting, or related field required.
• 7–15 years of commercial lending, credit analysis, or relationship management experience in a financial institution; Experience with a community bank or regional bank credit culture preferred.
• Formal credit training or completion of a commercial credit program preferred.
• Proven ability to source new business and manage a commercial loan portfolio.
• Strong financial statement analysis skills, including cash-flow analysis and collateral evaluation.
• Knowledge of commercial loan structures, credit risk management, and regulatory requirements.
• Familiarity with SBA and other government-guaranteed lending programs preferred.
• Excellent communication, negotiation, and presentation skills.
• Proficiency with loan origination systems, Microsoft Office, and financial analysis tools.

Physical Demands

This position is an office-based position in terms of physical demand. Employees are expected to be able to operate their fingers and hands to perform functions such as typing, writing, and filing. Employees must also be able to move throughout the office with ease while also being able to sit for extended periods of time. Employees must be able to see and hear in an office setting that does include much noise going on around one’s workspace. While this job is mainly clerical, there are instances in which employees must be able to transport up to 20 pounds.

Note

The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties (both related and unrelated to the above) may be assigned and are therefore required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Pay Range Disclosure

The pay range for this position is based on the lowest to highest salary we reasonably and in good faith expect to pay for this position at the time of this posting. Actual pay will depend upon several factors including, but not limited to, relevant education, qualifications, certifications, experience, business or organizational needs, affordability and market pay. The posted range may be modified in the future as market data or organizational priorities change.

This position is not subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements.

North Easton Savings Bank is dedicated to being an equal opportunity workplace. To reach and maintain this goal, the Bank strictly prohibits harassment and discrimination based on gender, sex, race, ethnic background, age, physical disability, mental disability, and anything else protected by law. North Easton Savings Bank welcomes diversity and we believe that diversity is the root of successful teams and an overall successful workplace.