The PM II will support an assigned portfolio within the Commercial Real Estate Group. They will collaborate with the relationship manager and team leader to develop and deliver credit documentation. The PM II will demonstrate the ability to complete financial risk analysis and credit documentation with some guidance from their manager or relationship manager. Policy and Procedures + Demonstrates aptitude in credit policy, procedures, RACs and risk rating scorecards to maintain high quality credit administration of Commercial customers. + Accurate risk rating analysis, recommendation, and completion of the scorecards with RM guidance + Identification and documentation of exceptions to policy Underwriting and Due Diligence + Accurate financial spreads and financial analysis of Commercial Real Estate assets + Clear and concise business writing skills + Complete underwriting for renewals and new credits with RM/TL/GD guidance + Accurate completion of the T&C within nCino + Accurate completion of RACs + Obtain and analyze industry information + Participate in discussions with RM/TL/GD about transaction structuring Portfolio Management + Timely and accurate credit file documentation + Monitor and complete financial covenants, financial reporting requirements, and annual reviews. + Monitor reports for expiring Maturity Date, Commitment Review Date, Commitment Renewal Date and complete renewals on time. + Prepare documentation for regular portfolio reviews. + Ongoing monitoring of Borrower financials and follow appropriate risk management procedures. + Identify and surface risks and concerns with the RM/TL/GD. + Develop in-depth knowledge of assigned portfolio including the types of loans within the portfolio, customer businesses and industries / underlying collateral + Provide guidance and training on basic concepts to the PM I / Commercial Analysts as needed. + Basic knowledge of commercial lending legal documentation with specific experience in reviewing loan terms and covenants. Participate in an observatory role with Bank counsel. + Strong knowledge in nCino, OPTIMA, FIS, RIMs and CASH + Knowledge in other job specific systems like Costar, Guidestar, D&B, etc. + Attend customer calls with RM. + Provide client management support for assigned portfolio, as needed. + Participate in and offer a commercial lending perspective in special projects, as needed. Education and Experience: + Bachelor’s degree preferred + Formal credit training preferred + 2-3 years experience in commercial credit analysis + Analytical, organizational, and interpersonal service skills + Appropriate understanding of the various Commercial Real Estate sectors and awareness of the differing risk profiles of each At Eastern Bank, we pride ourselves on supporting our employees by offering tremendous opportunity for individual growth. As an inclusive company, we work to ensure that our valued employees are treated fairly, recognized for their individuality, and encouraged to reach their fullest potential. These values have earned us a reputation as a great place to work and provide a strong reason why you should consider a career with us. We are proud to offer comprehensive compensation plans and a benefits program called Total Rewards that includes medical, dental, vision, life and disability insurance, retirement, vacation and tuition reimbursement. Eastern Bank is an Equal Opportunity Employer of women, people of color, LGBTQIA+, religion, national origin, citizenship, neurodivergence, age, Veterans, individuals with disabilities, or any other characteristic protected by law. At Eastern Bank, we are dedicated to building a diverse, equitable, inclusive and authentic workplace. If you’re excited about this role but your experience doesn’t fully align with every qualification, we still encourage you to apply! You may be just the right candidate for this position or others across the company. Our Recruitment team is waiting to chat with YOU.