Senior Commercial Real Estate Relationship Manager

North Easton Savings Bank; South Easton (MA); Presencial; USD 120.000 - 190.000; Jornada completa

Descripción de la vacante

North Easton Savings Bank seeks a CRE Commercial Relationship Manager to develop and manage a portfolio of high-quality commercial loans, ensuring compliance with credit policies and regulatory requirements. You will generate new business, deepen client relationships, and contribute to growth in the bank's commercial lending division.

Typical deals involve investment real estate, construction, and owner-occupied projects, with a focus on middle to larger CRE opportunities.

Formación

• 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.
• 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.

Responsabilidades

• 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 recommends 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.
• Analyzes financial statements, tax returns, cash flow, collateral, and borrower creditworthiness.
• Directs the preparation of credit memos with risk ratings and covenants.
• Structures loan terms balancing client needs with risk.
• Works with Credit Administration and Loan Operations on underwriting and documentation.
• Conducts periodic borrower reviews, site visits, and credit renewals.
• Identifies deteriorating credits and coordinates remediation actions.
• Serves as primary contact for borrowing and deposit clients; cross-sells bank products.
• Maintains relationships with internal partners for seamless client experiences.

Conocimientos

Credit analysis

Cash flow analysis

Relationship management

New business development

SBA knowledge

Regulatory knowledge

Negotiation

Loan origination systems

Microsoft Office

Financial analysis tools

Educación

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

Formal credit training or commercial credit program

Herramientas

Microsoft Office

Financial analysis tools

Descripción del empleo

North Easton Savings Bank seeks a CRE Commercial Relationship Manager to develop and manage a portfolio of high-quality commercial loans, ensuring compliance with credit policies and regulatory requirements. You will generate new business, deepen client relationships, and contribute to growth in the bank's commercial lending division.

Typical deals involve investment real estate, construction, and owner-occupied projects, with a focus on middle to larger CRE opportunities.