![HarborOne Bancorp, Inc.](https://media.trabajo.org/img/noimg.jpg)
AVP, Credit Officer
1 week ago
The Commercial Credit Officer is responsible for the evaluation of commercial credit risk and deal structure for commercial & industrial and commercial real estate customers.
Prepare a thorough analysis of all aspects of the credit, including the preparation of financial/industry projections in conformance with established Bank policies, strategies and procedures for new loan requests, renewals, and annual reviews.
Review standard loan documentation for conformance with approval terms.Responsibilities
Responsibilities:
Underwriting Credit Requests
- Responsible for preparing the Credit Approval Memoranda ("CAM") for presentation to the appropriate Loan Approval Hierarchy. Spread and analyze Borrowers' and Guarantors' financials statements. CAM must properly assess cash flow, capacity, collateral, and all major risks associated with the Bank lending to these businesses.
- The Commercial Credit Officer is the senior analyst of the underwriting team and will be working on more complex and larger loan requests. This will involve a great deal of interaction with the lending officers occasionally attending joint calls to gather the necessary information.
- The senior credit analyst should be knowledgeable and comfortable to give direction on structuring of credit proposals to protect the Bank.
- Assist junior analysts with any questions that they may have regarding underwriting credit requests which would include structure, financial analysis including cash flow and specific industry particulars.
- Conduct periodic portfolio reviews and credit & legal file audits.
- Compliance covenant testing and follow for financial reporting requirements.
- Assists with special projects or other duties as assigned.
Required Skills:
- Bachelors degree in business related field and 5+ years of specific work experience or a combination of education and work experience.
- Solid experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical/technical skills, including financial accounting, modeling, and loan structuring.
- Oral Communication: Speaks clearly and persuasively in positive or negative situations. Listens and gets classification; Demonstrates group presentation skills; Participates in meetings.
- Written Communication: Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
- Ethics: Treats people with respect; Keeps commitments; Works with integrity and ethically.
- Strong technical and analytical skills
- Effective written and verbal communication skills
- Thorough knowledge of credit policy, procedures, regulation, and applicable law
- Computer Skills: Proficiency in Microsoft Office Suite, with intermediate Excel and Power BI skills, preferred.
Compensation:
Offers will be determined based on job-related knowledge, skills, experience, and location.
Benefits:
Our benefit package* may include:
- Paid vacation and sick time
- Medical and dental insurance
- Pre-tax premium program
- Health Reimbursement Account/Health Savings Account
- Employee Stock Ownership Plan (ESOP)
- 401K plan
- Life Insurance
- Tuition reimbursement and tuition assistance programs
- Short term and Long term disability insurance
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