• Monitor the commercial loan portfolio, including but not limited to delinquent loans, matured loans, line of credit renewals, and construction status reporting.
• Perform monthly individual loan‑level ACL reserve analysis and document supportable conclusions.
• Maintain and govern the Commercial Loan Watchlist, including risk rating validation and migration analysis.
• Coordinate and complete delinquency credit reviews and OREO reviews.
• Identify emerging credit risk trends, concentrations, and early warning indicators across the commercial portfolio.
• Assist in the management, monitoring, and resolution strategy of troubled and criticized assets.
• Provide independent challenge and insight on deteriorating credits, risk ratings, and credit administration practices.
• Deliver concise, executive‑level reporting on portfolio risk, trends, and problem assets.
• Partner with Commercial Lending, Credit Risk, Legal, and Finance to support proactive risk mitigation strategies.
• Maintain accurate document management records related to commercial lending clients and credit reviews.
• Leverage productivity and analytical tools, including emerging automation and AI‑enabled solutions, to enhance efficiency, consistency, and insight in portfolio monitoring, credit analysis, and reporting, while adhering to Bank policies and risk governance standards.
• Assess adherence to internal credit policies and loan administration procedures and maintain awareness of applicable State and Federal regulations.
• Provide coaching, guidance, and technical mentorship to Portfolio Managers and Credit staff, promoting consistent risk assessment standards, sound credit judgment, and best practices across the commercial portfolio.
• Participate in ongoing process improvement and portfolio risk management initiatives.

• Bachelor’s degree in Business, Finance, Accounting, or a related field required; equivalent experience may be considered.
• Minimum of 5+ years of commercial underwriting, credit risk, portfolio management, or similar financial analysis experience, with demonstrated exposure to criticized and troubled assets.
• Strong analytical, decision‑making, and independent judgment skills, particularly in assessing deteriorating and at‑risk credits.
• Advanced proficiency in Microsoft 365, with strong Excel and Word skills and the ability to analyze, summarize, and present complex financial and credit information clearly.
• Familiarity with the use of productivity, automation, or AI‑enabled tools to support financial analysis, reporting, or workflow efficiency; ability to adapt to new technologies.
• Excellent written and verbal communication skills, with the ability to deliver concise, well‑supported credit conclusions to senior management.
• Demonstrated ability to manage multiple priorities, meet recurring deadlines, and adapt to evolving portfolio risk conditions.

About Northern Bank & Trust Company

Northern Bank is a full-service bank dedicated to providing practical, common sense financial solutions to help our customers live their lives and grow their businesses. From deposit products to loans to payment and collections services, we work hands-on with our entrepreneurial customers, both locally and across the country, to provide the financial support they need to realize their personal and business goals. Founded in 1960, Northern Bank has assets of over $3 billion with 12 locations serving communities throughout Middlesex County. Northern Bank is a Member of the FDIC, and an Equal Housing Lender. For more information on online banking services, please visit www.NBTC.com or follow Northern Bank on Facebook (/NorthernBankM A/), Twitter (@northernbankma), Instagram (@northernbankma) and LinkedIn (company/northern-bank-ma/).