Division: Commercial
Department: Middle Market
Reports to: Various
Status: Exempt/Officer
Grade: 12
Salary Range: $80,083 - $170,031
Actual compensation within the pay range will be decided based on factors including, but not limited to, skills, prior relevant experience, and specific work location.
Location: Worcester, MA - 386 Main St.
Purpose/Objective:
Provides relationship management support to Relationship Managers (RM) in generating, monitoring and servicing of new and existing portfolio of complex loans and borrowing relationships within Middle Market. Continuously evaluates operational and financial performance to maintain portfolio quality and risk rating accuracy. Interacts with prospects and customers as well as bank employees to address credit and deposit service-related matters in a satisfactory manner. Assists Lending Officers in all aspects of servicing and/or managing customers/prospects.
Key Accountabilities:

CREDIT/ANALYTICAL SKILLS

• Credit Trained or years of equivalent level of experience.
• Ability to assess financial performance and risk including identifying ways to mitigate risk to the bank.
• Solid working relationship with Credit Partners to ensure ongoing credit quality of portfolio and interfacing with credit for Annual Reviews under the direct of the RM.
• Preparation of Opportunity Review Memos with minimal guidance from the RM.
• Underwriting as necessary.
• Strong working knowledge of Loan policy and proven ability to adhere to sound risk management/pricing practices as well as to all internal and external credit/regulatory requirements.
• May have specialized industry/market knowledge consistent with portfolio (ABL/CRE/Middle Market).

PRODUCT KNOWLEDGE

• Solid knowledge of Commercial Credit Products and Services.
• Developing well-rounded knowledge of products sold by internal partners including Cash Management, Private Banking, Wealth Management, Retail and Home Lending.
• Ability to identify various cross sell opportunities and make solid product recommendations to meet customer needs.

EDUCATION:

• BS Degree in Business, Economics or Finance
• Equivalent financial experience
• MBA a plus

EXPERIENCE:

• Minimum of 10 years of Commercial Credit/Banking and/or related experience

SKILLS & KNOWLEDGE:

• Solid written and verbal communications skills
• Ability to present identified issues and recommended solutions to RM/Senior Management/ORC/ELC as appropriate.
• Ability to multi-task and meet timeframes as directed by the RM/Senior Management
• Strong computer skills
• Ability to work as a member of team.
• Act as mentor to less senior PMs
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Please refer the Job description for details