Responsible for analyzing moderately complex to complex commercial real estate credit transactions and relationships.  Monitor the credit worthiness of the Bank’s customers and applicants.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Perform credit analyses of existing and prospective loan accounts
• Write detailed narrative reports regarding the relationship, including the history of the relationship, a review of financial data, collateral coverage, ability to service debt and the risks
• Request and review personal and business financial statements, tax returns and other pertinent financial information
• Prepare various written loan reports including: loan presentations, loan modifications, and credit file comments as needed in accordance with the Bank’s loan policy and procedures and state and federal banking regulations 
• Recommend appropriate loan risk rating.
• Review loans for covenant compliance
• Review and maintain credit files
• Assist commercial loan officers with customer inquiries and servicing  requests
• Participate on Bank task forces and committees as needed 
• Represent the Bank at various community functions
• Perform additional duties as requested, needed or assigned

• Bachelor’s degree in Business Administration/Accounting/Finance or related area
• Two to four years’ bank credit experience or related bank experience in underwriting and analyzing business financial statements and tax returns is preferable
• Strong knowledge of Federal and State banking regulations
• Excellent financial analytical skills with sound judgment and decision making abilities
• Strong written and verbal English communication skills and ability to interact with all levels of management, peers and customers
• Extensive knowledge of personal/business financial statements and tax returns
• Solid knowledge of financial institution policies and procedures
• Strong knowledge of commercial real estate lending practices and related areas
• Ability to organize and prioritize to meet deadlines
• Strong time management skills and ability to handle multiple projects
• Working knowledge of Microsoft office applications
• Reliable and highly self-motivated
• Superior customer service skills
• Ability to adhere to Needham Bank’s Core Values (Focus on Customer Relationship, Embrace Change, Work as a Team, Be an Asset to Your Community, Always Learn, and Do the Right Thing)

Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off  (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program.  We offer a great benefit package to our eligible part-time employees as well.

Needham Bank is an Equal Opportunity/Affirmative Action Employer.  Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.