Credit Team Lead at Avidia Bank in Hudson, Massachusetts

Job Description:

Avidia Bank

Equal Employment Opportunity/M/F/disability/protected veteran status


Description:

Provides guidance, feedback and training to more junior credit team members through review of completed analyses, assistance with solving complex challenges, and understanding new concepts. Minimizes credit risk to the bank by performing independent risk analysis on new credit requests and existing credit relationships for C&I, commercial real estate and commercial construction loans in accordance with established bank policies and procedures. As a seasoned credit analyst, focus is generally on larger loan relationships and on more complex commercial credit requests.

Primary Responsibilities:

• Serves as team leader to the Credit Analysts. Provides guidance, assistance and training to elevate the overall skill level of the team and ensure efficient operations.
• Reviews work product of analysts and provides feedback for adjustment. Monitors edit process to ensure board ready analyses.
• Serves as a point of escalation for analysts within the team, providing guidance to resolve complex inquiries and resolve roadblocks.
• Ensures credit underwriting standards are applied consistently to credit requests requiring board approval. Conducts independent due diligence and applies appropriate underwriting techniques to assess the credit risk in individual credit requests.
• Analyzes more complex credit requests and existing customer relationships.
• Conducts annual reviews on line of credit renewals.
• Performs collateral evaluations on new loan requests and on annual line of credit renewals.
• Conducts thorough, detailed analysis of corporate financial statements of prospective borrowers.
• Provides periodic support to management by producing reports and participating on project teams as necessary.
• Participates in client meetings and/or site visits as necessary to help with the evaluation of credit requests or assist in the management of ongoing customer relationships.

Requirements:

• Bachelor's degree in business, finance or accounting.
• Seven years of commercial credit underwriting experience with CRE, C&I and commercial construction loans.
• Ability to mentor, train and guide more junior colleagues.
• Broad banking background with depth of knowledge in commercial lending.
• Proven problem solving, decision making communication and negotiation skills.
• Strong credit analysis and underwriting skills enabling the incumbent to perform detailed financial analyses and understand complex financial statements.
• Ability to prioritize tasks within defined responsibilities and apply bank and department policies and procedures.
• Proficiency with business software including the Microsoft Office suite (Excel intermediate/advanced) and loan origination/management systems (LoanVantage preferred).

Avidia Bank is an Equal Opportunity Employer/Veterans/Disabled

Member FDIC/DIF

PM21

Equal employment opportunity, including veterans and individuals with disabilities.

PI265372693

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