Senior Commercial Credit Analyst – CRE & C&I

NBT Bank; Manchester (NH); On-site; USD 43,000 - 55,000; Full time

Job summary

NBT Bank is seeking a Commercial Credit Analyst to complete due diligence, analyze borrower financial information, and prepare underwriting exhibits for approvals. The role involves evaluating repayment capacity, industry comparisons, and projections, with occasional client calls alongside credit officers.

It requires strong financial analysis, loan documentation literacy, and the ability to work in a team on complex assignments.

Qualifications

• Bachelor’s degree in accounting or finance preferred; equivalent education and 2+ years in Commercial Credit Analyst or similar acceptable.
• RMA courses such as Analyzing Business Tax Returns, Analyzing Personal Finance Statement and Tax Returns, Cash Flow Analysis – UCA Fundamentals, Commercial Real Estate Lending, Accounting and Ratio Analysis, The Business of Commercial Banking, Ethics and Decision Making, Borrower Analysis: Qualitative Factors, Balance Sheet Analysis, Income Statement Analysis, Combined Balance Sheet and Income Statement Analysis or other trainings through American Institute of Banking are a plus.

Responsibilities

• 65% Prepare accurate and detailed analytical memorandums on customers within portfolio for general industries and commercial real estate, including officers loan committee level deals.
• 25% Analyze financial statements, prepare spreads and cash flows, complete modifications, waivers, and change memos as needed.
• 5% Complete ongoing training sessions to expand knowledge.
• 5% Travel and other duties as assigned

Skills

Financial analysis

Loan documents

Loan policy knowledge

Trend analysis

Office suite

Spreading software

Communication skills

Team player

Presentation skills

Attention to detail

Education

Bachelor’s degree in accounting or finance

2+ years credit/underwriting/finance experience

Tools

Loan origination system

Spreading software

Microsoft Office

Job description

NBT Bank is seeking a Commercial Credit Analyst to complete due diligence, analyze borrower financial information, and prepare underwriting exhibits for approvals. The role involves evaluating repayment capacity, industry comparisons, and projections, with occasional client calls alongside credit officers.

It requires strong financial analysis, loan documentation literacy, and the ability to work in a team on complex assignments.