Commercial Credit Analyst - Impactful Community Banking

New Hampshire Mutual Bancorp; Laconia (NH); On-site; USD 63,000 - 79,000; Full time

Job summary

Meredith Village Savings Bank (MVSB) in Laconia, NH is seeking a Commercial Credit Analyst to support our commercial lending teams. You will prepare thorough credit analyses, evaluate financial performance and repayment capacity to guide lending decisions for new and existing relationships.

This role requires strong analytical skills, attention to detail, and the ability to collaborate with lenders and credit management in a community banking environment. Competitive salary and benefits offered.

Qualifications

• Bachelor's degree in Business, Finance, Accounting, or a related field preferred.
• One to three years of related banking/credit environment experience or an equivalent combination of education or other related banking credit experience.
• Demonstrated ability to analyze business and personal financial statements, tax returns, cash flow, collateral, and repayment sources.
• Strong written and verbal communication skills, including the ability to present credit information clearly and professionally.
• Experience with loan origination systems, including nCino.
• Proficiency with Microsoft Excel and standard office software applications.
• Ability to prepare spreadsheets, reports, and ad hoc analyses to support credit decisions and portfolio management.
• Strong attention to detail, organizational skills, and ability to manage multiple priorities and deadlines in a changing environment.
• Ability to collaborate across departments while maintaining professionalism, sound judgment, and confidentiality.

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.

Skills

Credit analysis

Financial statement analysis

Communication skills

Collaboration

Attention to detail

Education

Bachelor's degree in Business, Finance, Accounting, or related field

Tools

nCino

Microsoft Excel

Job description

Meredith Village Savings Bank (MVSB) in Laconia, NH is seeking a Commercial Credit Analyst to support our commercial lending teams. You will prepare thorough credit analyses, evaluate financial performance and repayment capacity to guide lending decisions for new and existing relationships.

This role requires strong analytical skills, attention to detail, and the ability to collaborate with lenders and credit management in a community banking environment. Competitive salary and benefits offered.