Commercial Relationship Manager (CRE Lending)

North Easton Savings Bank; Easton Center (MA); On-site; USD 119,000 - 183,000; Full time

Job summary

North Easton Savings Bank is seeking a CRE Commercial Relationship Manager to lead a portfolio of investment real estate loans, drive new business, and deepen client relationships in the local market. You will ensure compliance with credit policies and regulatory requirements while contributing to growth.

The role targets strong credit skills, loan structuring, and collaboration with Credit Administration and Loan Operations to deliver timely underwriting and documentation.

Qualifications

• 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.

Responsibilities

• Originates new commercial lending opportunities focused on investment real estate and development.
• Manages an assigned portfolio with credit quality monitoring and performance indicators.
• Analyzes financial statements, tax returns, cash flow, and collateral.
• Prepares comprehensive credit memos with risk ratings and covenants.
• Cross-sells treasury management, deposits, and other Bank products.

Skills

Credit analysis

Relationship management

Financial statement analysis

Communication skills

Negotiation

Regulatory compliance

Education

Bachelor’s degree in finance or related field

Tools

Loan origination systems

Microsoft Office

Financial analysis tools

Job description

Position Summary

The CRE Commercial Relationship Manager is responsible for developing and managing a portfolio of high-quality 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.

Job Type

Full-time

Description

Position Summary

The CRE Commercial Relationship Manager is responsible for developing and managing a portfolio of high-quality 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, CRE, construction, and owner-occupied real estate)

Portfolio Composition

Mix of lower middle market income-producing CRE

Essential Job Responsibilities

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

• Originates new commercial lending opportunities primarily focused on investment real estate, through proactive business development, networking and referral source cultivation.
• Identifies client credit needs and recommend appropriate lending products (CRE, construction, etc.).
• Manages an assigned portfolio of commercial relationships, monitoring credit quality and performance indicators.
• Meets or exceeds annual production, revenue, and portfolio growth goals.
• Analyze financial statements, tax returns, global cash flow, collateral, industry trends, and borrower/guarantor creditworthiness.
• Directs the preparation of comprehensive credit memos consistent with Bank standards, including risk rating recommendations 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.
• Conducts periodic borrower reviews, site visits, and annual credit renewals.
• 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.
• Cross-sells 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, USDA, 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.

Salary Description

$119,339.72 - $182,987.96