Senior Commercial Credit Analyst | Strategic Lending Insights

North Easton Savings Bank; South Easton (MA); Vor Ort; USD 70.000 - 110.000; Vollzeit

Zusammenfassung

North Easton Savings Bank is seeking a skilled Commercial Credit Analyst to evaluate financial statements and prepare credit recommendations for commercial lending. You will work closely with Commercial Lenders to prepare memos, discuss renewal requests and modify loans with high complexity, ensuring adherence to regulatory guidelines.

The role emphasizes asset quality protection, maintaining robust recordkeeping, and mentoring junior staff while delivering timely, high-quality credit analyses

Qualifikationen

• Bachelor’s Degree in Finance/Accounting or related field required.
• Minimum 3–5 years of direct commercial credit analysis experience with formal training.
• Proven ability to complete complex credit analysis with minimal guidance.
• Proficient with Microsoft Office (Word, Excel, PowerPoint).
• Proficient with financial spreading software and banking core data platforms.

Aufgaben

• Spread and analyze financial statements and present credit recommendations verbally and in writing.
• Prepare approval memos, renewal requests and loan modifications with little oversight.
• Assist in protecting asset quality by identifying annual reviews for high-complexity relationships.
• Maintain tickler systems in the Loan Origination platform for accurate recordkeeping.
• Monitor and obtain borrowers’ financial statements as needed.
• Order and review appraisals and environmental reports.
• Prepare standard reports and suggest enhancements as needed.
• Summarize credit history in quarterly reports.
• Provide excellent service to bank customers.
• Adhere to regulatory guidelines, bank policies and procedures.
• Mentor and train junior team members.

Kenntnisse

Credit analysis

Financial statement analysis

MS Office

Verbal and written communication

Multi-tasking

Team mentoring

Analytical mindset

Ausbildung

Bachelor's Degree in Finance/Accounting or related field

Tools

Financial spreading software

Banking core data platforms

Commercial software applications

Jobbeschreibung

North Easton Savings Bank is seeking a skilled Commercial Credit Analyst to evaluate financial statements and prepare credit recommendations for commercial lending. You will work closely with Commercial Lenders to prepare memos, discuss renewal requests and modify loans with high complexity, ensuring adherence to regulatory guidelines.

The role emphasizes asset quality protection, maintaining robust recordkeeping, and mentoring junior staff while delivering timely, high-quality credit analyses