Commercial Credit Analyst

Bluestone; Raynham (MA); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Competitive salary with performance-based incentives

Comprehensive medical, dental, and vision coverage

Employer matching 401k plan

Training and professional development opportunities

Paid time off and 11 paid holidays

Job summary

Bluestone in Raynham, MA is looking for a Commercial Credit Analyst to analyze financial data and assess the creditworthiness of commercial clients. You will complete underwriting of loan requests and extensions of credit, preparing reports for bank officers.

This role offers a salary range of $70,000 to $100,000 annually and is perfect for candidates with a bachelor’s degree in finance or accounting and experience in credit analysis. Bluestone values your career growth and offers a supportive work environment.

Qualifications

• Bachelor's degree required for analysis position.
• Two or more years of credit analysis experience preferred.
• Detail-oriented with strong analytical skills.

Responsibilities

• Analyze financial data to assess creditworthiness of clients.
• Complete Credit Memo/Underwriting for commercial credit.
• Prepare reports and risk ratings for borrowers.

Skills

Financial analytical abilities

Written communication skills

Verbal communication skills

Proficient in MS Word

Proficient in MS Excel

Education

Bachelor’s degree in business, finance or accounting

Job description

Description

Community. Security. Trust. This is the foundation on which Bluestone Bank is built. We've helped Southern New England prosper for over 150 years by providing responsible, relevant, and secure financial solutions. Whether our customer’s unique needs include finding a safe place to grow their savings, financing their next home, protecting their future, or building their business, we are here to help them reach their goals. Let’s get there, together!

In addition to being a great place to bank, Bluestone Bank is a great place to work! Named by the Boston Business Journal as a Best Places to Work in 2025, you are joining a team that cares about your career success and will also receive:

• A competitive salary with performance-based incentives.
• Comprehensive medical with deductible reimbursement, dental, and vision coverage.
• An employer matching 401k plan.
• Training and professional development opportunities, including tuition reimbursement.
• Work life balance with paid time off, paid volunteer hours, and 11 paid holidays.

The Commercial Credit Analyst is responsible for analyzing financial data and assessing creditworthiness of commercial clients. This role completes the underwriting of loan requests and extensions of credit to business clients of the Bank as well as financial analysis with customers in the loan portfolio.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

• Analyzes loan data and financial information on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions and Bank files.
• Completes Credit Memo/Underwriting of requests for commercial credit, remote deposit capture, and ACH customers with the Bank.
• Prepares spreadsheets, reports, summaries and opinions for Bank Officers on new, renewal and existing loans.
• Assigns risk ratings to each borrower of the bank.
• Provides technical support to loan officers as needed.
• Assumes additional responsibilities as requested.

The pay range for this position is $70,000 to $100,000 per year and is the lowest to highest salary we in good faith believe we would pay for this role at the time of this posting. We may ultimately pay more or less than the posted range, and the range may be modified in the future. An employee’s pay position within the salary range will be based on several factors including, but not limited to, relevant education, qualifications, certifications, experience, sales or revenue-based metrics, and business or organizational needs and affordability.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit and talk or hear, reach with hands and arms; and stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and the ability to adjust focus.

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under federal, state, and local laws.

Requirements

• Bachelor’s degree in business, finance or accounting.
• Two or more years of credit analysis experience, or at least one year as a Jr. Commercial Credit Analyst.
• Good financial analytical abilities; detailed oriented.
• Good written and verbal communication skills.
• Proficient in MS Word & Excel.