Senior Credit Portfolio Manager

Dedham Savings; Dedham (MA); Presencial; USD 92.000 - 128.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Medical, Dental, Vision

Tuition Reimbursement

Retirement benefits

Flexible Spending

Life Insurance

Descripción de la vacante

Dedham Savings seeks a Credit Portfolio Manager II to oversee a portfolio of significant and complex Commercial Lending relationships. You will provide expert credit analysis support, lead portfolio administration, and coordinate annual reviews, covenant testing, and borrower reporting.

You will partner with Credit leadership, Relationship Managers, Analysts, and Loan Administrators to strengthen risk assessment, evaluation of collateral, and portfolio monitoring.

Formación

• Bachelor’s degree in finance, accounting, business administration, economics, or related field preferred; equivalent commercial credit experience may be considered.
• Minimum of five years of directly related credit and/or commercial lending experience.
• Experience analyzing significant or complex commercial lending relationships, including renewals, modifications, annual reviews, risk ratings, and credit recommendations.
• Experience with portfolio monitoring, covenant tracking, loan maturities, annual reviews, and related portfolio administration.
• Experience monitoring borrower reporting, covenant compliance, borrowing base or revolving line activity, collateral availability, and emerging credit concerns preferred.
• Experience with loan origination, portfolio monitoring, credit workflow, or similar banking systems preferred.

Responsabilidades

• Complete and review credit analysis and file comments for new money, renewals, modifications, and annual review requests for significant and complex Commercial Lending relationships.
• Lead portfolio administration in accordance with Bank policy, including annual reviews, covenant testing, loan maturities, borrower reporting, and related portfolio follow-up.
• Monitor borrower reporting requirements, including financial statements, tax returns, borrowing base certificates, rent rolls, covenant compliance certificates, and other required financial reporting.
• Monitor borrowing base reporting and revolving line activity, as applicable, to support collateral availability, advance eligibility, covenant compliance, and early risk identification.
• Partner with Credit leadership, Relationship Managers, Credit Analysts, and Commercial Loan Administrators to communicate expectations and meet deadlines.
• Review credit and legal documentation to support covenant tracking, testing, and correction of documentation inconsistencies.
• Support accurate loan risk ratings, risk rating recommendations, and identification of portfolio risk trends.
• Assist with portfolio risk assessments, including risk rating trends, stress testing, asset quality, industry concentrations, and management or board-level reporting.
• Identify emerging credit concerns and support risk mitigation or remediation actions, including risk rating recommendations, covenant changes, monitoring enhancements, and corrective action plans.
• Maintain awareness of market conditions, industry trends, regulatory expectations, and commercial credit best practices.
• Oversee internal collateral evaluation functions, including review and approval of analyst-prepared evaluations as needed.
• Support implementation of credit systems, processes, procedures, and analysis templates.
• Recommend improvements to credit policies, procedures, workflows, efficiency, and portfolio administration.
• Serve as a liaison with audit, loan review, compliance, and other oversight partners, as needed.
• Lead departmental projects and participate in Commercial audits, loan reviews, and related initiatives.
• Interact with clients, upon request, to obtain financial information, answer credit process questions, or attend meetings.

Conocimientos

Credit analysis

Financial statements

Risk ratings

Collateral evaluation

Covenant monitoring

Credit policy

Communication skills

Regulatory knowledge

Portfolio administration

Loan documentation

Data security

Educación

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

Herramientas

Abrigo

Microsoft Word

Microsoft Excel

Descripción del empleo

Dedham Savings seeks a Credit Portfolio Manager II to oversee a portfolio of significant and complex Commercial Lending relationships. You will provide expert credit analysis support, lead portfolio administration, and coordinate annual reviews, covenant testing, and borrower reporting.

You will partner with Credit leadership, Relationship Managers, Analysts, and Loan Administrators to strengthen risk assessment, evaluation of collateral, and portfolio monitoring.