Overview

Responsibilities

• Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts and ongoing repayment ability of all other accounts.
• Partner with the Relationship Manager as the point of contact for the client: acting as a liason to credit supervision, the commercial support staff and other internal business partners
• Responsible for underwriting credit risk of new and existing loan deals and quality of the portfolio, and developing problem loan credit solutions, if necessary.
• Manage the renewal process independently by working with existing clients and obtaining approval from credit supervision.
• Manage transactions from underwriting through to closing.
• Conduct due diligence work customary to asset based financings.
• Review, analyze, and summarize company and property operating and financial statements.
• Create deal specific asset based, cash flow and valuation models.
• Analyze borrower and guarantor financial statements and tax returns.
• Interact with borrowers or brokers to obtain necessary information and documentation for evaluation, underwriting, and closing of loans.
• Prepare credit memoranda for review and approval by Senior Management and credit supervision.
• Review and analyze third-party reports such as appraisals, field exams and other 3rd party due diligence.
• Ensure the portfolio administration and risk management of each client relationship is in compliance with established EWB credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
• May act as a contact manager for non-borrowing accounts and loan clients for matters relating to other banking services.
• Must be comfortable dealing directly with clients independently.
• Assist in the development of junior bankers and credit analysts.
• Perform other duties and special projects as needed.

• Bachelor's degree preferably in finance and/or accounting, or combination of education with working knowledge of finance/accounting
• 8+ years of CRE and C&I lending experience.
• 5+ years of direct portfolio management and underwriting experience
• Strong understanding of credit policy and procedures and is able to accurately risk-rate loans/credits, evaluates both cash-flow and collateral-based loans/credits
• Strong written and verbal communication

Applicants must have legal authorization to work in the United States. We do not offer visa sponsorship at this time.