Commercial Lender II

Company: EastRise Federal Credit Union
Location: Williston
Posted on: February 13, 2026

Job Description:

Job Description Job Description Manages the full lifecycle of a commercial loan portfolio ranging from $20 million to $40 million, with a strategic focus on maintaining asset quality, mitigating risk, and driving sustainable growth. Originates, structures, and services complex credit relationships by understanding the unique financial needs of each member and delivering tailored lending solutions. Proactively develops new business opportunities while deepening existing member relationships, ensuring alignment with EastRise Credit Union’s mission to support local businesses and strengthen community prosperity. Major Duties and Responsibilities Weight Description Essential 50% Leads the end-to-end process of commercial loan origination, including application intake, financial analysis, and credit assessment. Evaluates borrower financials—such as balance sheets, income statements, and cash flow projections—to determine repayment capacity and structure appropriate credit solutions. Exercises sound judgment in making underwriting decisions within delegated authority and ensures timely, accurate completion of all loan documentation and closings in alignment with EastRise Credit Union’s standards for quality and compliance. 25% Leads asset recovery and workout strategies for distressed or high-risk commercial loans, including past-due accounts. Develops and executes action plans to mitigate losses through restructuring terms, negotiating settlements, and coordinating collateral liquidation when necessary. Partners with internal teams and external counsel to ensure compliance with regulatory requirements while maintaining member relationships and safeguarding the Credit Union’s financial position. Provides responsive support during collection efforts to preserve relationships while protecting financial interests. 15% Maintains a high-quality commercial loan portfolio through ongoing monitoring and risk assessment. Ensures all member files are current and complete, including financial statements, projections, and loan documentation. Communicates appropriate risk ratings and maintains regular contact with members to ensure their evolving financial needs are met. 10% Provides responsive support to members regarding loan-related inquiries and concerns. Ensures full compliance with all applicable laws, regulations, and internal policies, including the Bank Secrecy Act, Patriot Act, and OFAC requirements. Supports the collection and resolution of past-due loans, working collaboratively with internal teams and members to preserve relationships while protecting the Credit Union’s financial interests. Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Knowledge and Skills Experience Five years to eight years of similar or related experience, including preparatory experience. Education/Certifications/Licenses A college degree. Interpersonal Skills The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position. Other Skills COMPETENCIES: . Must be at least 18 years of age. Favorable Background, Credit, Criminal, Bondability, and Reference Checks required. (Motor Vehicle check dependent on position.) Travel to other branches or locations may be required depending on position. ADA Requirements Physical Requirements Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 4-6 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Working Conditions Must be able to routinely perform work indoors in climate-controlled private office with minimal noise Mental and/or Emotional Requirements Must be able to perform job functions independently and work effectively either on own or as part of a team. Must be able to plan and direct the work activities of self and others. Must be able to read and carry out various complicated written and oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Keywords: EastRise Federal Credit Union, Waltham , Commercial Lender II, Accounting, Auditing , Williston, Massachusetts