Commercial Credit Analyst - Growth in Community Banking

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

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.