Job Description

Who We Are:

For over a century, HarborOne’s mission has not wavered, total commitment to our customers, our communities, and our colleagues. Founded in 1917 to serve the growing financial needs of our local communities, HarborOne continues to honor and embrace its commitment to strengthen and empower the communities where our customers and employees live and work.

Today, HarborOne has 30 branches in southeastern Massachusetts and Rhode Island and 2 commercial lending offices in Boston and Providence. Our corporate values of accountability, integrity, respect, trust and teamwork are core to how we manage our business and our relationships with our customers. Working at HarborOne will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference.

Job Description:

The Appraisal Environmental & Reporting (AER) Analyst supports the Credit Risk Department. The AER Analyst is responsible for ordering appraisals in compliance with FIRREA and FDICIA Banking Regulations, as appropriate. The role requires collaborative relationships with Relationship Managers, Portfolio Managers, 3rd Party Appraisal and Environmental Vendors, and Title Attorneys. This role requires delivery of timely and accurate responses due to a fast paced environment.

Responsibilities:

• Coordinates the ordering and reviewing of appraisals and environmental reports accurately and on time.
• Adheres to FIRREA, FDICIA and Bank Policies when ordering and reviewing appraisals
• Analyzes 3rd party Environmental Reports for increased risk to the collateral supporting the loan.
• Reviewing and compiling data for HMDA, CRA and 1502 reporting
• Manages invoices and reviews settlement fees
• Organization is critical as numerous construction requisitions may be simultaneously in process.
• Escalates identified risks during the Appraisal, and Environmental processes to direct manager with proposed solution and/or mitigation.

Required Skills:

• BA in business related field and 3-5+ years of experience within Commercial Lending, Commercial Real Estate & experience preferred.
• Commercial Banking knowledge required inclusive of familiarity of:
• Loan Approval Process
• Appraisal and Environmental FIRREA and FDICIA requirements
• HMDA, CRA, Reg. B & Flood Requirements
• Loan Documentation
• SBA Programs / Reporting
• Ability to multitask competing priorities
• Adaptable to changing environment, proving improved solutions
• Excellent organizational skills with ability to multitask and address competing priorities
• Proficiency in Microsoft Office Suite, with intermediate Excel and Power BI skills, necessary
• Proficiency with Loan Origination Systems (Credit Quest)

Compensation:

Offers will be determined based on job-related knowledge, skills, experience, and location.

Benefits:

Our benefit package* may include:

• Paid vacation and sick time
• Medical and dental insurance
• Pre-tax premium program
• Health Reimbursement Account/Health Savings Account
• Employee Stock Ownership Plan (ESOP)
• 401K plan
• Life Insurance
• Tuition reimbursement and tuition assistance programs
• Short term and Long term disability insurance

WE ARE AN EQUAL OPPORTUNITY EMPLOYER. Applicants and employees are considered for positions and are evaluated without regard to mental or physical disability, race, color, religion, gender, national origin, age, genetic information, military or veteran status, sexual orientation, marital status or any other protected Federal, State or Local status unrelated to the performance of the work involved.

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