Commercial Credit Analyst - Hybrid Role

Florence Bank; Northampton (MA); Hybrid; USD 62,000 - 82,000; Full time

Benefits offered by this job

Hybrid work schedule after 6 months

Generous paid time off

12 holidays

Insurance (medical, dental, vision, &/

Life insurance

401K with dollar-for-dollar match

Profit sharing bonus

Wellness program

Tuition reimbursement

Job summary

Florence Bank in Florence, MA is seeking a Credit Analyst to analyze credit and financial data for commercial borrowers. The role supports loan officers and management in loan decision-making, and involves preparing comprehensive analyses and associated documentation.

Responsibilities include evaluating financial statements, cash flows, and liquidity; maintaining spreadsheets; and ensuring adherence to credit policies. Hybrid work is available after six months, with competitive benefits.

Qualifications

• Bachelor's degree or equivalent work experience to analyze financial statements and industry evaluations.
• High level of analytical ability and attention to detail for loan risk assessment.
• Strong verbal and written communication skills.
• Minimum of one year of credit experience in a banking environment.
• Strong PC knowledge.

Responsibilities

• Provides objective analyses of commercial and real estate loans for lending officers and senior management.
• Spreads financial statements and maintains financial spreadsheets using department software.
• Gathers data for credit analyses and meets deadlines independently.
• Identifies potential problems in the loan portfolio and suggests risk rating adjustments.
• Performs annual credit reviews of large borrowers to assess ongoing risk.

Education

Bachelor's degree in business, finance, or accounting

Job description

Florence Bank in Florence, MA is seeking a Credit Analyst to analyze credit and financial data for commercial borrowers. The role supports loan officers and management in loan decision-making, and involves preparing comprehensive analyses and associated documentation.

Responsibilities include evaluating financial statements, cash flows, and liquidity; maintaining spreadsheets; and ensuring adherence to credit policies. Hybrid work is available after six months, with competitive benefits.