Commercial Credit Analyst

Kmaconsultingllc; Rocky Hill (CT); Remote; USD 84,000 - 95,000; Full time

Job summary

Nutmeg is seeking a Commercial Credit Analyst to analyze lending opportunities by evaluating borrower financial information and assessing credit risk, supporting sound lending decisions and portfolio quality.

The role covers credit analysis, underwriting, cash-flow evaluation, risk assessment, and preparing credit memoranda while coordinating due diligence and assisting closing and ongoing portfolio reviews.

Qualifications

• Bachelor's degree in accounting, finance, economics or related field.
• Minimum 3 years in commercial credit or financial analysis.
• Experience with Corelation Keystone, Jack Henry Symitar, SageWorks (Abrigo) or nCino preferred.
• Experience with commercial real estate underwriting preferred.

Responsibilities

• Commercial Credit Analysis and Underwriting
• Analyze business and personal financial statements
• Evaluate cash flow, leverage, liquidity, and repayment capacity
• Prepare credit presentations and approval packages
• Portfolio Monitoring and Annual Reviews
• Support risk-rating and watch-list processes
• Credit Structuring and Risk Assessment
• Credit Memorandum and Documentation
• Coordinate financial information and due diligence
• Support approval and closing processes
• Monitor portfolio concentrations and credit trends

Skills

Analytical skills

Financial modeling

Credit metrics

Communication skills

Critical thinking

Attention to detail

Time management

Problem solving

Integrity

Education

Bachelor's degree in accounting/finance/economics

Tools

Corelation Keystone

Jack Henry Symitar

SageWorks (Abrigo)

nCino

Job description

Rocky Hill, CT or Remote (CO, KS, MA, VT, PA, WA, RI)

Position Description

The primary purpose of this position is to analyze commercial lending opportunities by evaluating borrower financial information, assessing credit risk, and preparing comprehensive credit recommendations that support sound lending decisions, portfolio quality, and Nutmeg’s business banking objectives.

Essential Functions

• Commercial Credit Analysis and Underwriting
• Analyze business and personal financial statements
• Evaluate cash flow, leverage, liquidity, and repayment capacity
• Perform global cash-flow and guarantor analysis
• Prepare credit analysis and underwriting recommendations
• Credit Structuring and Risk Assessment
• Evaluate collateral, LTV, guarantees, and loan structure
• Identify key credit risks and mitigating fa
• Support covenant and loan-condition development
• Apply commercial credit policy and underwriting standards
• Credit Memorandum and Documentation
• Prepare credit presentations and approval packages
• Coordinate financial information and due diligence req
• Support approval and closing processes
• Portfolio Monitoring and Annual Reviews
• Complete annual and periodic credit reviews
• Monitor financial performance and covenant compliance
• Support risk-rating and watch-list processes
• Credit Quality and Portfolio Intelligence
• Monitor portfolio concentrations and credit trends
• Provide portfolio and credit-quality analysis
• Support examinations, audits, and credit-quality reviews

Responsibilities listed reflect general responsibilities of this position and are not to be construed as an exhaustive list of all duties. Other duties may be performed as needed.

Qualifications

Experience, Education & Credentials

• A bachelor's degree in accounting, finance, economics or related field is required.
• A minimum of three years of prior experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis is required.
• Experience with Corelation Keystone, Jack Henry Symitar, SageWorks (Abrigo) or nCino preferred.
• Experience with commercial real estate underwriting preferred.

Knowledge, Skills & Abilities

• Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis.
• Excellent verbal and written communication skills.
• Critical thinking and problem-solving skills.
• Attention to detail and high level of accuracy.
• Strong organizational and time management skills.
• Functional/Technical Skills
• Problem Solving
• Decision Quality
• Integrity and Trust

Physical Demands

• Must be able to lift up to 10 pounds.
• Requires standing and/or sitting for an extended period of time.

Mental & Emotional Requirements

• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Must be able to read and carry out various written instructions and follow oral instructions.
• Must be capable of dealing calmly and professionally with numerous personalities and diverse perspectives both within and outside of the organization.
• Must be able to perform responsibilities with composure under the stress of deadlines and requirements for quality and timeliness.
• Must be capable of exercising high levels of discretion on both internal and external confidential matters

At Nutmeg, we invest in our people. We offer a comprehensive benefits package including medical, dental and vision insurance, company-paid life and disability coverage, a competitive 401(k) match, generous paid time off, paid holidays, employee loan discounts, and resources that support your financial and personal well-being.

The anticipated hiring range for this position is $84,000 - $95,000 annually. Actual compensation will be determined based on factors such as skills, experience, qualifications, and internal equity.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, ancestry, familial status, age, physical or mental disability, pregnancy, sexual orientation, gender identity, genetic information, veteran status, or any other characteristic protected by law.