• Independently underwrite and review existing commercial lending relationships of medium‑to‑high complexity in accordance with Bank credit policy.
• Analyze borrower financial statements, global cash flow, collateral, guarantor support, and covenant compliance to assess ongoing credit risk.
• Validate risk ratings and identify credit migration, weaknesses, and early warning indicators.

• Monitor the commercial loan portfolio, including delinquencies, covenant exceptions, past‑due trends, maturity tracking, line of credit renewals, and construction status reporting.
• Complete annual reviews and letter of credit and line of credit renewals in a timely and accurate manner.
• Ensure accurate and complete credit file documentation and maintain document management records for commercial relationships.
• Manage the process to request, collect, and store borrower financial and credit‑related documentation.

• Assess adherence to internal credit policies and loan administration procedures; maintain working knowledge of applicable State and Federal regulations.
• Provide independent challenge and insight on deteriorating credits, and risk ratings.
• Identify emerging credit risk trends and concentration risks across the commercial portfolio.
• Deliver concise, executive‑level reporting on portfolio risk, trends, and problem assets.

• Partner with Lending, Credit Risk, Legal, Finance, and Operations to support proactive risk mitigation strategies.
• Participate in ongoing process improvement and portfolio risk management initiatives.
• Leverage productivity, analytical, and automation/AI‑enabled tools to improve efficiency, consistency, and insight while adhering to Bank governance and model risk standards.

• Bachelor’s degree in Business, Finance, Accounting, or a related field required; equivalent experience may be considered.
• Minimum of 2 years of experience in commercial underwriting, credit risk, portfolio management, or related financial analysis.
• Strong analytical skills with the ability to exercise independent judgment and develop defensible credit conclusions.
• Advanced proficiency in Microsoft 365, with strong Excel and Word skills and the ability to analyze, summarize, and present complex credit information clearly.
• Familiarity with productivity, automation, or AI‑enabled tools used in financial analysis, reporting, or workflow efficiency.
• Excellent written and verbal communication skills, including the ability to present concise, well‑supported credit assessments 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/).