![Cambridge Financial](https://media.trabajo.org/img/noimg.jpg)
Senior Credit Officer
1 month ago
POSITION: SENIOR CREDIT OFFICER
Summary:
At Cambridge Savings Bank, our purpose is to have a positive impact on our customers, employees, and community's financial well-being. We are committed to exceeding expectations and having a strong commitment to diversity and inclusion. The Senior Credit Officer prepares credit analysis documents for senior management and the Board that clearly identifies risks, financial metrics, and policy requirements, and is responsible for identifying and understanding a borrowers credit risks and providing a thorough assessment of the Banks ability to mitigate these risks. Senior Credit Officers prepare detailed loan underwriting packages for use in the commercial loan approval and review process. They also provide support, as needed, to more junior credit staff and to other departments in the Bank.
Key Result Areas:
+ Partner with lending officers and portfolio managers to understand proposed lending transactions, prepare written credit analyses of those proposed transactions, and assist with obtaining approval of such requests, including new loans, renewals, modifications, and annual reviews.
+ Prepare analyses and make appropriate credit structure recommendations on new and/or existing complex credits. Spread and make interpretative analysis of financial statements and prepare credit memoranda for use in loan decision-making. Perform credit analysis on the most complex relationships including C&I, Commercial Investment Real Estate, Owner-occupied and Residential Construction customers.
+ Work independently with minimal oversight from the Credit Managers on most commercial loan underwriting requests and determine when more complex credit requests require management guidance and feedback.
+ Develop a thorough understanding of the banks Commercial Lending Policy and an ability to appropriately apply that Policy to loan approval requests.
+ Maintain working knowledge of SBA program guidelines ensuring compliance with the SBA.
+ Contribute to maintaining the accuracy of the Banks commercial loan rating system by accurately applying the risk rating definitions to proposed transactions.
+ Provide coaching and mentoring support to junior credit analysts.
+ Assist in the preparation of reports used in monitoring credit quality as needed, or as directed by the Chief Credit Officer and/or the Credit Managers.
+ Support other credit risk management activities, including those related to internal or external audits, loan reviews or regulatory compliance matters as needed.
+ Attend joint client calls with lending officers, when appropriate.
+ Contribute when needed to the effective team management of projects, issues, and opportunities.
+ Establish and maintain professional and effective working relationships with other CSB employees and customers.
+ Perform additional duties as required.
Qualifications:
+ Bachelors degree, preferably in business, finance, or accounting, or minimum of 5 years of banking/financial services experience.
+ Completion of a formal credit training program or a minimum of 5 years of credit analyst experience.
+ Extensive experience with preparing and editing credit analyses and other credit documents such as memoranda, formal emails, and policy documents.
+ 5+ years demonstrated ability to gather, analyze and present concise and well supported commercial loan approval recommendations, including large and complex C&I and CRE deals.
+ Demonstrated ability to effectively communicate credit and business issues to lenders, managers, and loan approvers.
+ Strong attention to detail and the ability to manage multiple underwriting assignments simultaneously.
+ Knowledge of commercial lending operations and regulations.
+ Technically proficient in MS Office and able to quickly learn and support digital platforms.
+ Ability to work both independently and in groups as well as possess effective project and time management skills.
The above description covers the most significant responsibilities but does not exclude other occasional responsibilities and accountabilities, the inclusion of which would be in conformity with the major purpose of this job.
Location:
Hybrid/Waltham, Massachusetts
About Cambridge Savings Bank:
Cambridge Savings Bank is a full-service banking institution with over $6 billion in assets. As a mutual bank, CSB is committed to improving the quality of life of our employees, customers, and the communities we serve. One of the oldest and largest community banks in Massachusetts, Cambridge Savings Bank offers a full line of individual and business banking services across a robust Massachusetts-based branch network and through digital banking solutions for commercial, small business and consumer customers. In March 2023, Kroll Bond Rating Agency affirmed CSBs investment-grade rating, reinforcing the banks position as a reliable business lender. To learn more about how CSB can meet your needs, visit us atcambridgesavings.com, or better yet, come meet us to help you make the most out of your banking relationship. Member FDIC. Equal Housing Lender. NMLS # 543370.
Cambridge Savings Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. We are a VEVRAA Federal Contractor.
#LI-Hybrid
-
Senior Credit Analyst
1 month ago
Watertown, United States Cambridge Financial Full timeAt Cambridge Savings Bank, our purpose is to have a positive impact on our customers, employees, and community's financial well-being. We are committed to exceeding expectations and having a strong commitment to diversity and inclusion. The Senior Cr Credit Analyst, Lending Officer, Analyst, Senior, Commercial, Portfolio Manager, Technology, Banking
-
Credit Officer
2 months ago
Watertown, United States Cambridge Financial Full timePOSITION: Credit Officer Summary: At Cambridge Savings Bank, our purpose is to have a positive impact on our customers, employees, and community's financial well-being. We are committed to exceeding expectations and having a strong commitment to diversity and inclusion. The Credit Officer assists with managing the credit risk and loan quality of the Banks...
-
Lead Credit Analyst
4 days ago
Watertown, Massachusetts, United States Cambridge Financial Full timePOSITION: LEAD CREDIT ANALYSTSummary:At Cambridge Financial, we strive to positively influence the financial well-being of our clients, employees, and the communities we serve. Our commitment to diversity and inclusion is paramount. The Lead Credit Analyst is responsible for crafting comprehensive credit analysis reports for senior leadership and the Board,...
-
Commercial Credit Analyst
1 week ago
Watertown, Massachusetts, United States Cambridge Financial Full timePosition: Credit OfficerSummary:At Cambridge Financial, we strive to positively influence the financial well-being of our clients, employees, and the communities we serve. Our commitment to diversity and inclusion is paramount. The Credit Officer plays a crucial role in managing the credit risk and loan quality of our commercial real estate and corporate...
-
Commercial Credit Analyst
1 week ago
Watertown, Massachusetts, United States Cambridge Financial Full timePosition: Credit OfficerOverview:At Cambridge Financial, we strive to positively influence the financial well-being of our clients, employees, and the communities we serve. Our commitment to diversity and inclusion is paramount. The Credit Officer plays a crucial role in managing the credit risk and quality of our commercial real estate and corporate banking...
-
Credit Analyst
1 month ago
Watertown, United States Cambridge Financial Full timePOSITION: CREDIT ANALYST Summary: At Cambridge Savings Bank, our purpose is to have a positive impact on our customers, employees, and community's financial well-being. We are committed to exceeding expectations, having a strong commitment to diversity and inclusion, and fostering a highly collaborate and customer centric environment. This entry level...
-
Credit Analyst
2 weeks ago
Watertown, United States Cambridge Financial Full timePOSITION: CREDIT ANALYST Summary: At Cambridge Savings Bank, our purpose is tohave a positive impact on our customers, employees, and community's financialwell-being. We are committed to exceeding expectations, having a strongcommitment to diversity and inclusion, and fostering a highly collaborate andcustomer centric environment.This entrylevel Credit...
-
Lead Credit Risk Analyst
1 week ago
Watertown, Massachusetts, United States Cambridge Financial Full timeAbout Us:At Cambridge Financial, we are dedicated to enhancing the financial well-being of our clients, employees, and the community. Our Commitment:We strive to surpass expectations while fostering a culture of diversity and inclusion. Position Overview:The Lead Credit Risk Analyst will play a crucial role in evaluating creditworthiness and managing risk...
-
Commercial Credit Analyst
1 week ago
Watertown, Massachusetts, United States Cambridge Financial Full timePOSITION: COMMERCIAL CREDIT ANALYSTOverview:At Cambridge Financial, we strive to positively influence the financial health of our clients, team members, and the communities we serve. Our dedication to surpassing expectations, promoting diversity and inclusion, and nurturing a collaborative, customer-focused atmosphere is unwavering. This entry-level...
-
HR Administrator/Office Manager
1 month ago
Watertown, United States Benchmark Senior Living Full timeJoin us at Waltham Crossings! Joining the Benchmark Senior Living team means putting your passion to work. Our associates feel a sense of belonging with the care that they provide, empowered by the open and reliable team that surrounds them. Our diverse and skilled workforce takes immense pride in a shared commitment: a devotion to providing caring and...
-
Senior Accountant
5 days ago
Watertown, United States Walker Therapeutic & Educational Programs (Walker) Full time $75,000 - $85,000Job DescriptionJob DescriptionThe Senior Accountant position is a key role within the Finance Department. We are a small team and collaborate on many agency-wide initiatives as well as on the day-to-day process of ensuring accurate and timely financial information. We are looking for a Senior Accountant to assist us in meeting our mission. This position...
-
Revenue Cycle Coordinator
1 week ago
Watertown, Massachusetts, United States Benchmark Senior Living Full timePosition Overview The Revenue Cycle Coordinator is responsible for overseeing the billing and revenue collection processes within the senior living sector. This role collaborates closely with various departments to ensure the smooth operation of financial activities related to resident accounts. Key Responsibilities: Oversee the billing and revenue...
-
Revenue Cycle Management Specialist
1 week ago
Watertown, Massachusetts, United States Benchmark Senior Living Full timeOverview The Revenue Cycle Management Specialist plays a pivotal role in overseeing the financial processes associated with resident accounts in senior living environments. Reporting directly to the Director of Business Administration Operations, this position collaborates closely with various senior leadership roles to ensure efficient revenue cycle...
-
Revenue Cycle Coordinator
1 week ago
Watertown, Massachusetts, United States Benchmark Senior Living Full timeOverview The Revenue Cycle Coordinator plays a vital role in ensuring the financial health of our senior living communities. Reporting directly to the Director of Business Administration Operations, this position collaborates closely with the Senior Director of Financial Operations and other key stakeholders to manage revenue cycle processes and accounts...
-
Office Manager/Bookkeeper
1 week ago
Watertown, United States Surfaceworks Full time $65,000 - $75,000Job DescriptionJob DescriptionWe are looking for a motivated and experienced office manager/bookkeeper to join the Surfaceworks' team. We are a growing residential and commercial cleaning company in business for over 36 years. Will consider part time candidates as well.Responsibilities:Accounts payable and vendor management-manage relationships with...
-
Revenue Cycle Specialist
3 weeks ago
Watertown, United States Benchmark Senior Living Full timeJoin, Stay, and Grow with Benchmark. Connect with your calling!Job Summary The Revenue Cycle Specialist reports to the Director of Business Admin Operations, with a strong relationship to the Senior Director of Financials Operations, Community Accounting, Corporate Operations as well as the DBA and Executive Director in each community being supported. This...
-
Commercial Real Estate Portfolio Manager
2 months ago
Watertown, United States Cambridge Financial Full timePOSITION: Commercial Real Estate Portfolio Manager Summary: At Cambridge Savings Bank, our purpose is to have a positive impact on our customers, employees, and community's financial well-being. We are committed to exceeding expectations, embracing a relationship centric mindset, and having a strong commitment to diversity and inclusion. The Senior...
-
Senior Fund Accountant
4 weeks ago
Watertown, Massachusetts, United States Dynamo Software Full timeOrganizational OverviewDynamo has provided industry-tailored, highly configurable investment management, reporting and data management solutions to the global alternative investment industry since 1998. Dynamo provides SaaS solutions across the private investment landscape including fund administrators, endowments, pension funds, foundations, private equity...
-
Chief Technology Officer
20 hours ago
Watertown, Massachusetts, United States Automated Tire, Inc. Full timeAbout Automated Tire, Inc.We are a dynamic and ambitious Series-A startup revolutionizing the tire-changing and wheel-balancing industry with cutting-edge robotic technology. Our company is founded by seasoned entrepreneurs with extensive experience in the tire industry and backed by major players in the automotive and tire markets, positioning us uniquely...
-
Senior Administrative Coordinator
4 days ago
Watertown, Massachusetts, United States Career Match Solutions Full timeJob SummaryWe are seeking a highly skilled and organized Senior Secretary to join our team at Career Match Solutions. As a key member of our staff, you will provide exceptional support to our clinic staff, ensuring seamless day-to-day operations and contributing to the success of our organization.Key ResponsibilitiesCollaborate with clinic staff to provide...