The PM III will support an assigned portfolio within the Commercial Real Estate group. They will demonstrate the ability to complete financial risk analysis and credit documentation with limited guidance from their manager or relationship manager. This role will also contribute to loan structuring, customer calls and should be comfortable with regular interactions with senior management. + In depth knowledge, compliance and application of credit policy and procedures to maintain high quality credit administration of Commercial customers with limited guidance. + Proactive accurate risk rating analysis and recommendation + Identification and documentation of exceptions to policy Underwriting and Due Diligence + Analysis of complex financials as relate to Commercial Real Estate assets. + Contribute to transaction structuring + Engaged in credit committee presentations + Complete underwriting with clear identification of lending risks and mitigating factors + Accurate completion of the T&C within nCino + Accurate completion of RACs + Obtain and analyze industry information and offer conclusions Portfolio Management + 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. + High quality credit file documentation + Prepare documentation for regular portfolio reviews and active engagement at 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. + Provide regular and ongoing guidance and training to the PM I / Commercial Analyst and PM II + Engage in conversations and answer straightforward questions with Bank counsel with manager oversight, as needed + Knowledge of commercial lending legal documentation. + Review of the legal documents to ensure compliance with approved terms and conditions. + Master in nCino, OPTIMA, FIS, RIMs and CASH + Strong knowledge in other job specific systems like Costar, Guidestar, D&B, etc. + Regular interaction with customers to resolve credit inquiries and obtain underwriting material information. + Provide client management support for assigned portfolio. + Participate in and offer a commercial lending perspective in special projects, as needed **Education and Experience:** + Bachelor’s degree preferred + Formal credit training preferred + 3-4 years experience in commercial credit analysis + Analytical, organizational, and interpersonal service skills + Strong understanding of the various Commercial Real Estate sectors and differing risk profiles of each. + Strong MS Excel skills + nCino/SalesForce experience 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.