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C & I Team Leader - Underwriting

    • Job Tracking ID: 512272-701792
    • Job Location: Needham, MA
    • Job Level: Management
    • Level of Education: BA/BS
    • Job Type: Full-Time/Regular
    • Date Updated: October 15, 2019
    • Years of Experience: 5 - 7 Years
    • Starting Date: ASAP
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Job Description:

Responsible for managing the C&I credit underwriting  function, prioritizing the C&I loan pipeline, developing and managing credit analysts, analyzing and monitoring the credit worthiness of the Bank’s customers. Analyze financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank.  Recommend credit facilities and structures within the established bank guidelines.


  • Manage and prioritize the C&I loan department’s loan pipeline
  • Supervise department’s Credit Analysts workflow and skill development
  • Coordinate  training and skills development for credit analyst team
  • Obtain loan request information from C&I lender or borrower on new and existing relationships to analyze credit information, financial statements and other related information pertaining to the loan
  • Research background documentation and review personal and business financial statements and tax returns. Analyze financial information and prepares the preliminary analysis for the lender 
  • Review and prepare written analysis, spreadsheets, reports, summaries and opinions
  • Prepare or assist in the analysis of loan memorandum for presentation to lenders and/or loan committees
  • Review loan files to ensure the completeness of the file and that all collateral has been secured properly
  • Follow all applicable laws and regulations
  • Support the C&I lending functions in managing existing loan relationships and pursuing new loan opportunities primarily by analyzing financial information and identifying credit risks. Provide recommendations for loan structuring 
  • Prepare various written loan reports including: loan presentations, modifications, and credit file comments  
  • Prepare, monitor and maintain credit files for the Bank’s C&I loan customers
  • Assist lenders in addressing customer inquiries and servicing requests
  • Represent the Bank at various community functions
  • Participate on Bank committees as assigned 
  • Assist the lenders by interacting with select existing and new customers of the lending team with new loan requests and maintenance of existing customers. This could include
  • interviewing, underwriting, and closing selected new loans as well as annual reviews related to renewing credit facilities
  • Manages team including selecting, training and developing, and evaluating performance of direct reports.
  • Perform additional duties as requested, needed or assigned

Experience and Skills:

  • Bachelor’s degree in Business Administration/Accounting/Finance or related area
  • Five plus years’ bank credit experience
  • Prior supervisory experience preferred
  • Educated in banking federal and state regulations and laws
  • Extensive knowledge of financial institution policies and procedures
  • Extensive knowledge of middle market lending practices and related areas
  • Strong knowledge of department support structures, resources and personnel  
  • Excellent financial analytical skills with sound judgment and decision making abilities
  • Strong time management skills
  • Excellent project management skills
  • Excellent knowledge of personal/business financial statements and tax returns
  • Strong working knowledge of Microsoft office applications
  • Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable, and highly self-motivated
  • Superior customer service skills, exceed customers’ expectations
  • Excellent written and verbal English communication 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.