Senior Commercial Credit Analyst & Risk Leader

Metro Credit Union; Chelsea (MA); Vor Ort; USD 97.000 - 131.000; Vollzeit

Zusammenfassung

Metro Credit Union is seeking a Senior Commercial Credit Analyst in Massachusetts to evaluate complex commercial and industrial, construction, and CRE loans. You will analyze financial statements, evaluate repayment capacity, collateral, and industry trends while preparing clear loan presentations and recommendations.

You will mentor junior analysts and contribute to the underwriting process, ensuring robust risk assessment and consistent credit judgments across the portfolio.

Qualifikationen

• Four or more years of commercial credit, underwriting, or commercial lending experience.
• Experience analyzing C&I, construction, and commercial real estate transactions.
• Strong financial-analysis, cash-flow, research, and credit-writing skills.
• Ability to independently assess risk and develop informed credit recommendations.
• Strong written and verbal communication skills.
• Proficiency with Microsoft Excel and familiarity with commercial loan operating systems.
• Ability to manage competing priorities while producing accurate, timely work.
• Sound judgment and discretion when handling confidential credit and member information.

Aufgaben

• In-depth credit analysis and underwriting for complex commercial loan requests.
• Objective assessment of borrower strength, repayment capacity, collateral, industry conditions, and overall credit risk.
• Clear, timely loan presentations and credit recommendations.
• Annual reviews, renewals, modifications, and risk-rating assessments for existing relationships.
• Identification of emerging risks and appropriate structural or mitigating recommendations.
• Guidance and technical support for developing credit analysts.
• Mentor junior analysts and help strengthen the consistency, quality, and judgment reflected in the team's work.

Kenntnisse

Financial analysis

Cash flow analysis

Credit writing

Written communication

Verbal communication

Excel

Ausbildung

Bachelor's degree or equivalent

Formal commercial credit training

Tools

LoanVantage

Commercial loan systems

Jobbeschreibung

Metro Credit Union is seeking a Senior Commercial Credit Analyst in Massachusetts to evaluate complex commercial and industrial, construction, and CRE loans. You will analyze financial statements, evaluate repayment capacity, collateral, and industry trends while preparing clear loan presentations and recommendations.

You will mentor junior analysts and contribute to the underwriting process, ensuring robust risk assessment and consistent credit judgments across the portfolio.