Credit Review Analyst: Elevate Commercial Lending

northernbank; Woburn (MA); On-site; USD 65,000 - 75,000; Full time

Job summary

Northern Bank & Trust Company is seeking a Credit Review Analyst in the Credit Department to review commercial loan writeups (C&I, Real Estate and Specialty) for accuracy and to propose qualitative, technical, and structural edits to presentations.

The role requires a solid understanding of financial statements, strong analytical and quantitative skills, and the ability to collaborate across teams while ensuring compliance with bank policies.

Qualifications

• Strong academic background with bachelor's degree in finance, economics, accounting, or related quantitative field.
• Strong critical analysis, math skills, and attention to detail.
• Ability to multi-task, prioritize, and adapt to changes in working environment.
• Ability to collaborate effectively with peers in various groups.
• Ability to identify discrepancies in data and analyses.
• Related work/internship experience preferred.

Responsibilities

• Identify any errors in financial/Tax return analysis, loan structure, and incomplete parts of analysis
• Evaluate the accuracy and validity of construction budgets, rental rolls, property valuations and profitability analyses for Real Estate
• Evaluate the appropriateness of any underlying assumptions or adjustments made by the underwriter to develop the future cash flows analysis
• Determine whether the stated risk factors are adequately addressed by the mitigants
• After thorough review/evaluation, the Credit Review Analyst provides the correct analyses, suggestions, and additional support/language to be included in the presentation
• Ensure compliance with Bank and loan policies

Skills

Analytical thinking

Math skills

Attention to detail

Multi-tasking

Collaboration

Discrepancy detection

Education

Bachelor's degree in finance/economics/accounting/quantitative field

Job description

Northern Bank & Trust Company is seeking a Credit Review Analyst in the Credit Department to review commercial loan writeups (C&I, Real Estate and Specialty) for accuracy and to propose qualitative, technical, and structural edits to presentations.

The role requires a solid understanding of financial statements, strong analytical and quantitative skills, and the ability to collaborate across teams while ensuring compliance with bank policies.