Charles River CFO, Inc.

Manager

• Monitor the performance and overall credit quality of an approximately $70 million commercial loan portfolio
• Complete timely and comprehensive annual credit reviews
• Analyze borrower and guarantor financial statements, tax returns, rent rolls and property-operating statements
• Evaluate cash flow, debt-service coverage, loan-to-value and other relevant credit metrics
• Review covenant compliance and identify exceptions, emerging risks and deteriorating credit trends
• Maintain accurate risk ratings and recommend changes supported by credit analysis
• Assess financial performance and collateral position of multifamily residential and commercial/industrial properties
• Prepare clear, well-supported credit memoranda and portfolio-review documentation
• Monitor maturities, renewals, reporting requirements and other portfolio deadlines
• Communicate findings and recommendations to internal stakeholders
• Support portfolio reporting, audits and other credit-related projects as needed

Commercial Credit Portfolio Manager