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Under the supervision of the CRE Portfolio Management Team Leader and assigned loan officers, this position assists with managing the credit risk and loan quality of the Commercial Real Estate (CRE) loan portfolio by supporting and assisting CRE loan officers with preliminary review and underwriting of new prospective loan opportunities and existing portfolio administration issues including regular customer contact; responsible for managing the collection of and monitoring of exceptions and related reporting of CRE customer financial information and; responsible for the management and preparation of a variety of monthly and quarterly portfolio management information reports as directed by supervisors; depending on experience level, the position may be assigned responsibility for some smaller and low activity CRE loan accounts.


Key Result Areas:                              


  • Support and assist CRE loan officers as needed: Provide support as needed to loan officers with preliminary underwriting review of new prospective loans, research tenants, collect market, business, and financial information. Work with loan officers on existing loan modifications/extensions, information gathering, assist in preparation of the LOS and other portfolio customer related issues. Assist in managing the credit approval process for the team. Assist lenders in the management of the complete new loan and existing loan renewal process from origination to closing and post-closing monitoring. Assist loan officers in preparing and updating credit file rating summaries and portfolio reviews. Assist loan officers in the ordering and review of third-party reports (appraisal, environmental, building condition). Perform site inspections when needed.

  • Collection of CRE Division borrower and property specific financial information as required by loan approvals. Responsibilities include: Working with CRE customers for the timely collection of contractually required corporate financial statements, rent rolls, property operating statements, guarantor financial statements, tax returns via scheduled communications including letters, emails and follow-up phone calls. Manage the exception reporting process by keeping the assigned loan officers regularly informed via automated reporting systems. Monitor credit quality through the review of financial reporting information to provide early warning of possible deterioration. Coordinate the secure delivery of collected customer financial information to all participant banks. Interface when needed with Credit Administration in support of CRE portfolio audits by outside vendors and regulators.

  • Management reports:  Responsible for collecting information and completion of regularly scheduled CRE management reports (Construction and Stabilization Risk Tracking Report).  On an as needed basis assist in the coordination, design and development of various loan concentration and property sensitivity analysis reports in cooperation with Risk Management and Credit Department.  

  • Customer Contact: Provide day-to-day point of contact for customer service issues that arise within the client base and promote good customer service. Cross-sell other bank services and products.


Additional Responsibilities:

  • Coordinate activities and interaction with lending personnel and Credit Administration Division.

  • Contribute to the effective team management of all CRE customer problems, issues and opportunities.

  • Establish and maintain effective working relationships with other departments in the Bank.

  • Perform additional duties as required.




  • College degree, preferably in business, finance, or accounting

  • 3 to 5 years of commercial banking experience, with a focus on commercial real estate lending

  • 3+ years of credit and portfolio management experience coupled with previous credit administration experience

  • Strong analytical skills

  • Excellent communication, customer service and interpersonal skills

  • Ability to pay attention to detail and multi-task

  • Strong computer skills (Excel, Word), including database management (Access)


The above description covers the most significant major responsibilities but does not exclude other occasional responsibilities and accountabilities the inclusion of which would be in conformity with major purpose this job.




Waltham, Massachusetts


About Cambridge Savings Bank:


Cambridge Savings Bank is a full-service banking institution with over $5 billion in assets. As a mutual bank, CSB is committed to improving the quality of life of our employees, customers, and the communities we serve. One of the oldest and largest community banks in Massachusetts, Cambridge Savings Bank offers a full line of individual and business banking services across a robust Massachusetts-based branch network and through digital banking solutions for commercial, small business and consumer customers. To learn more about how we can meet your needs, visit us at cambridgesavings.com, or better yet, come meet us to help you make the most out of your banking relationship.


Cambridge Savings Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. We are a VEVRAA Federal Contractor.