Principal ObjectiveTo analyze and underwrite credit requests for Bank prospects and customers, assist with due diligence activities, assist with the loan closing process, monitor and evaluate risk within the team portfolio.
Principal Duties and ResponsibilitiesCredit Underwriting- Analyze and underwrite credit requests in a timely fashion by using some or all of the following resources: applications, spreads, financial statements, tax returns, credit bureaus, meetings with customers/prospects, appraisals, web research and other resources as necessary.
- Experience underwriting Commercial and Investment real estate deals.
- Determine if request is in compliance with Bank policy and note exceptions.
- Discuss deal structure, cash flow, collateral, and customer character with Relationship Managers (RM).
- Recommend alternative credit structures or products where appropriate.
- Accompany RM on customer calls and interact extensively with customers in person and over the phone.
- Interact with attorneys and financial professionals including CPA's, CFO's, etc. as needed to assist in the underwriting and closing process.
- Present analysis in written proposals for appropriate approvals and present as directed to the appropriate approval authority.
- Conducts market surveys through contact with brokers, online research, etc.
Portfolio Management- Manage existing portfolio of customers by tracking and preparing annual renewals for lines of credit, reviews of term debt, and reviews of overdraft lines of credit.
- Maintain tracking database with updated information as needed.
- Compliance monitoring
- Identify potential problem loans and deficiencies.
- Assist customers when needed with questions regarding loans and retail products.
Job Specifications (Skills, Knowledge and Abilities Required)- Bachelor's degree in relevant field
- 2+ years experience in credit
- Formal credit training is preferred
- Excellent written and oral communication skills
- Extensive knowledge of PC applications, including Excel, Word and Access
- Performs other related duties as required or directed
- Be familiar with and fulfill compliance requirements
- Prepare loan memorandums consistently with minimal supervision
Behavioral Skills- Consistently demonstrate behaviors associated with Brookline Bancorp's Core Four values: adaptability, accountability, leadership, and teamwork.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description is subject to change at any time. 
