Credit Associate

CREDIT ASSOCIATE CRE-Commercial Real Estate The Credit Associate is responsible for supporting credit analysis and portfolio management activities. This role involves assisting with credit data analysis, underwriting, and portfolio review activities including facilitating credit risk recommendation. The Credit Associate may be assigned a book of lower-complexity loans and relationships. The Credit Associate collaborates with team members to ensure effective credit operations. The Credit Associate helps maintain high standards of credit quality and compliance. What Will You Do? The Commercial Real Estate Credit team provides underwriting and proactive portfolio management expertise to the Bank’s CRE clients, including private individuals and family offices, and institutional funds/investors/developers. Collaborate across numerous bank lines and divisions to provide tailored CRE lending solutions to clients, while proactively identifying risk on new and existing credits within the portfolio through a combination of internal and external resources. Work with a CRE portfolio that includes a variety of loan products secured or supported by varying asset types. Perform credit analysis activities to assess creditworthiness of borrowers, guarantors, and sponsors. Perform portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking. Analyze credit data, market and industry reports, trendcards, and prepare credit presentations to support underwriting and portfolio management. Support effective risk management practices, maintaining high standards of credit quality and origination in alignment with the bank’s credit risk appetite, and compliance with institutional and regulatory requirements. Work closely with team members to ensure cohesive and effective credit operations. Participate in ad‑hoc projects to support the organization’s priorities. Demonstrate a strong desire to learn underwriting and portfolio management skills, actively seeking opportunities for professional growth and development, eventually leading to ownership of a portfolio of credits. What Do You Need to Succeed? Required Qualifications Bachelor's Degree or equivalent in Finance, Business, or related field. Minimum 2 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries. Additional Qualifications Intermediate experience in credit management and lending operations, with a strong understanding of risk management principles. Desire to build leadership and coaching skills, with the ability to train and develop talent. Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross‑functional teams. Intermediate analytical skills, with the ability to interpret complex data and make informed decisions. Industry‑specific knowledge and expertise. What's In It for You? Compensation Starting base salary: $34.55 – $55.19 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. Benefits and Perks Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date. Generous 401(k) company matching contribution. Career Development through Tuition Reimbursement and other internal upskilling and training resources. Valued Time Away benefits including vacation, sick, and volunteer time. Specialized health and family planning benefits including fertility benefits, and cancer, diabetes, and musculoskeletal support programs. Career Mobility support from a dedicated recruitment team. Colleague Resource Groups to support networking and community engagement. Inclusion and Equal Opportunity Employment City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. Careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job. #J-18808-Ljbffr City National Bank