Analyst, Credit Risk Management

Job Description

Job Description

Northeast Bank is a full-service community bank and a national commercial real estate lender with offices in Maine, Massachusetts, New York, and California. We are looking for motivated and talented individuals who want to make an impact in a growing company that cares about its employees, customers, and the communities it serves. Northeast Bank provides competitive compensation and benefits, generous PTO, and a hybrid work environment dependent on the role. If you are looking for a growing organization that prioritizes its employees, we encourage you to apply.

POSITION SUMMARY : The Analyst, Credit Risk Management is responsible for ensuring compliance with the Bank’s established Credit Policy and procedures. Working across multiple business lines, the Analyst will review and analyze commercial loan underwriting, maintain controls over credit requirements for existing credits, portfolio management reporting and provide other assistance as required.

RESPONSIBILITIES :

• Manages quality of Bank credit administration information to ensure on-going accuracy and timeliness.
• Ensure procedures from origination / purchase through servicing and disposition are documented with controls in place to minimize risk of loss to the Bank and adhere to Policy.
• Manage the tracking of critical Bank portfolio management data and performance metrics.
• Perform reviews of commercial loan underwriting to ensure compliance with the Bank’s Credit Policy.
• Analyze and approve annual commercial Asset Reviews.
• Assist in performing a QC review of initial commercial credit files and prepare electronic credit files for regulator and auditor visits.
• Review commercial payoff quotes.
• Review disbursement requests for appropriateness in accordance with loan documentation.
• Periodically oversee and / or perform post-closing reviews of files and loan system.
• Maintain the site inspection and asset review monitoring process.
• Act as a liaison with Loan Servicing and Loan Processing.
• Develop and generate management reporting of exceptions on a regular and ad hoc basis.
• Streamline processes and implement controls to assure management of documentation and portfolio management accuracy and effectiveness.
• Provide assistance for various CRM projects and cross train as necessary.
• Adhere to the Bank’s Credit Policy.
• Successfully pass technical and regulatory examinations required by the Company.

KNOWLEDGE, SKILLS AND ABILITIES :

PHYSICAL DEMANDS AND CONDITIONS :

Northeast Bank is an equal employment opportunity and affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity and expression, national original, veteran status and any other classification protected by Law. We celebrate diversity and are committed to creating an inclusive environment for all employees.