Commercial Credit Analyst

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

Benefits offered by this job

Competitive salary

Performance incentives

Medical insurance

Dental & vision

401(K) match

Tuition reimbursement

Paid time off

Holidays

Job summary

Bluestone Bank in Raynham, MA seeks a Commercial Credit Analyst to assess creditworthiness of business clients and underwrite loan requests. You will analyze loan data and financial information to support decisions and prepare clear credit memos.

This role requires a bachelor’s degree in business, finance or accounting and 2+ years of credit analysis experience; strong Excel skills; and the ability to work with loan officers to manage a portfolio.

Qualifications

• 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.

Responsibilities

• Analyzes loan data and financial information on new, renewal and existing loans.
• 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.

Skills

Financial analysis

Attention to detail

Communication skills

Education

Bachelor’s degree in business, finance or accounting

Tools

MS Word

Excel

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.