Commercial Credit Analyst II: Strategic Lending Insights

North Easton Savings Bank; Easton Center (MA); On-site; USD 65,000 - 85,000; Full time

Job summary

North Easton Savings Bank in Easton, MA, is seeking a Commercial Credit Analyst to analyze financial statements, prepare credit recommendations, and collaborate with Commercial Lenders on complex loan decisions. The role emphasizes attention to regulatory guidelines, data accuracy, and timely reporting, with opportunities to mentor junior team members and contribute to credit portfolio quality.

Requires a Bachelor’s in Finance/Accounting, at least two years of commercial credit analysis

Qualifications

• Bachelor’s degree in Finance/Accounting or related field required.
• Minimum two years of direct commercial credit analysis experience.
• Proven ability to complete complex credit analysis with minimal guidance.
• Proficient with Microsoft Office applications (Word, Excel, PowerPoint).
• Experience with spreading software, commercial software, and core data platforms.
• Excellent verbal and written communication skills.
• Able to multi-task in a team environment with strong customer service focus.
• Interacts effectively with customers and handles sensitive inquiries professionally.
• Strong quantitative and analytical skills; understands accounting and tax basics.
• Able to define problems, collect data, and draw valid conclusions.

Responsibilities

• Spreads and analyzes financial statements to present credit recommendations.
• Prepare approval memos and renewal requests with minimal oversight.
• Prepare annual reviews for higher complexity commercial relationships.
• Maintain tickler systems in the Loan Origination platform for records.
• Monitor requests for and receipt of borrowers’ financial statements.
• Order and review appraisals and environmental reports.
• Prepare standard reports and suggest enhancements.
• Provide credit history comments quarterly as needed.
• Deliver high level of service to customers of the Bank.
• Perform duties in compliance with regulations and bank policies.
• Mentor and assist in training junior team members.

Skills

Verbal communication

Written communication

Analytical thinking

Multi-tasking

Customer service

Team collaboration

Education

Bachelor’s Degree in Finance/Accounting or related field

Tools

Microsoft Office

Financial spreading software

Banking core data platforms

Credit analysis software

Job description

North Easton Savings Bank in Easton, MA, is seeking a Commercial Credit Analyst to analyze financial statements, prepare credit recommendations, and collaborate with Commercial Lenders on complex loan decisions. The role emphasizes attention to regulatory guidelines, data accuracy, and timely reporting, with opportunities to mentor junior team members and contribute to credit portfolio quality.

Requires a Bachelor’s in Finance/Accounting, at least two years of commercial credit analysis