Commercial Credit Analyst

MVSB (Meredith Village Savings Bank); Laconia (NH); On-site; USD 63,000 - 79,000; Full time

Benefits offered by this job

Medical, dental, and vision coverage

401(k) with company match

Paid time off

Job summary

MVSB is seeking a Commercial Credit Analyst to join our Laconia-based commercial lending team. You will prepare credit analyses, evaluate financial statements and repayment capacity, identify risks, and support lending decisions for new and existing relationships.

The role emphasizes attention to detail, collaboration across departments, and professionalism in a community banking environment with a competitive benefits package.

Qualifications

• Bachelor’s degree in Business, Finance, Accounting, or related field.
• 1–3 years of related banking/credit environment experience or equivalent.
• Ability to analyze business and personal financial statements, tax returns, cash flow, collateral, and repayment sources.
• Strong written and verbal communication; present credit information clearly and professionally.
• Experience with loan origination systems, including nCino.
• Proficiency with Microsoft Excel and standard office software.

Responsibilities

• Prepare clear, thorough credit analyses for commercial loan requests, renewals, annual reviews, and relationship reviews.
• Evaluate financial statements, tax returns, projections, collateral, guarantor support, repayment capacity, and overall credit risk.
• Identify key risks, strengths, trends, covenant concerns, loan exceptions, and other factors affecting credit quality.
• Provide underwriting support, credit recommendations, and portfolio insight to lenders and credit management.
• Assist with collateral evaluations, appraisal reviews, and related documentation as needed.
• Support portfolio monitoring through Watch List reports, Watch Asset reports, loan loss reserve analysis, annual reviews, and other credit-related reporting.
• Track financial statements, file commentaries, annual reviews, and credit follow-up items to help maintain timely and accurate credit files.
• Communicate regularly with lenders, credit management, and internal partners regarding priorities, deadlines, and work in progress.

Education

Bachelor's degree in Business, Finance, Accounting, or related field

Tools

nCino

Microsoft Excel

Job description

Company:Meredith Village Savings Bank (MVSB)

Position:CommercialCredit Analyst

Location: Laconia, New Hampshire

Schedule:Full Time, Monday–Friday, 8:00 a.m. – 5:00 p.m.

Salary Range:$63,000 – $79,000 negotiable based on experience

MVSB is seeking an experienced, detail-oriented, and collaborative CommercialCredit Analyst to support our commercial lending teams. This position is well suited for a candidate with established credit analysis experience who is ready to contribute in a community banking environment.

In this role, you will prepare comprehensive credit analyses, evaluate financial performance and repayment capacity, identify credit risks, and support sound lending decisions for new and existing commercial relationships.

Why You’ll Love Working Here

In addition to a competitive salary, we offer a comprehensive benefits package designed to support you personally and professionally. Benefits include medical, dental, and vision coverage; a 401(k) with company match; paid time off; paid parental leave; tuition reimbursement; professional development opportunities; and the chance to be part of a supportive team that values your contributions.

What You’ll Do

• Prepare clear, thorough credit analyses for commercial loan requests, renewals, annual reviews, and relationship reviews
• Evaluate financial statements, tax returns, projections, collateral, guarantor support, repayment capacity, and overall credit risk
• Identify key risks, strengths, trends, covenant concerns, loan exceptions, and other factors affecting credit quality
• Provide underwriting support, credit recommendations, and portfolio insight to lenders and credit management
• Assist with collateral evaluations, appraisal reviews, and related documentation as needed
• Support portfolio monitoring through Watch List reports, Watch Asset reports, loan loss reserve analysis, annual reviews, and other credit-related reporting
• Track financial statements, file commentaries, annual reviews, and credit follow-up items to help maintain timely and accurate credit files
• Communicate regularly with lenders, credit management, and internal partners regarding priorities, deadlines, and work in progress

What We’re Looking For

• Bachelor’s degree in Business, Finance, Accounting, or a related field preferred
• One to three years of related banking/credit environment experience or an equivalent combination of education or other related banking credit experience
• Demonstrated ability to analyze business and personal financial statements, tax returns, cash flow, collateral, and repayment sources
• Strong written and verbal communication skills, including the ability to present credit information clearly and professionally
• Experience with loan origination systems, including nCino
• Proficiency with Microsoft Excel and standard office software applications
• Ability to prepare spreadsheets, reports, and ad hoc analyses to support credit decisions and portfolio management
• Strong attention to detail, organizational skills, and ability to manage multiple priorities and deadlines in a changing environment
• Ability to collaborate across departments while maintaining professionalism, sound judgment, and confidentiality

Why Join MVSB

At MVSB, we build genuine partnerships through exceptional customer service, teamwork, integrity, and excellence. We take pride in supporting the communities we serve and creating an environment where employees can do meaningful work, grow professionally, and contribute to a strong community banking culture.

We are an Equal Opportunity Employer. This includes veterans and individuals with disabilities.