Senior Credit Analyst

Metro Credit Union; Chelsea (MA); Sur place; USD 97 000 - 131 000; Plein temps

Résumé du poste

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.

Qualifications

• 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.

Responsabilités

• 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.

Connaissances

Financial analysis

Cash flow analysis

Credit writing

Written communication

Verbal communication

Excel

Formation

Bachelor's degree or equivalent

Formal commercial credit training

Outils

LoanVantage

Commercial loan systems

Description du poste

Why This Role Exists

Strong commercial lending decisions require more than accurate financial analysis. They require sound judgment, a clear understanding of risk, and the ability to turn complex information into practical credit recommendations.

The Senior Commercial Credit Analyst helps Metro make thoughtful, well-supported lending decisions across commercial and industrial, construction, and commercial real estate relationships. This role evaluates complex new loan requests, monitors the strength of existing relationships, and helps identify risks before they become larger concerns.

This is an opportunity to influence meaningful credit decisions, partner closely with lenders and leadership, and strengthen the consistency and quality of Metro's commercial underwriting process.

What You'll Own

• 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

What You'll Do

• Independently analyze complex commercial credit requests across C&I, construction, and commercial real estate portfolios.
• Review business and personal financial statements, tax returns, cash flow, collateral, management experience, industry conditions, and historical operating performance.
• Identify additional information needed from borrowers, members, lenders, or CPAs to complete a thorough global credit analysis.
• Partner with lenders to prepare comprehensive loan presentations that clearly explain the opportunity, key risks, proposed structure, and recommendation.
• Complete annual reviews, renewal requests, loan modifications, and risk-rating changes for existing commercial relationships.
• Evaluate appraisal and environmental reports for completeness, accuracy, and potential areas requiring further due diligence.
• Participate in borrower and prospect meetings with Relationship Managers to better understand business operations, strategy, and management capability.
• Contribute to portfolio reviews, special projects, and continuous improvement across the Commercial Services team.

• Mentor junior analysts and help strengthen the consistency, quality, and judgment reflected in the team's work.

Success Looks Like in 12 to 18 Months

• Complex credit requests are analyzed thoroughly and presented with clear, well-supported recommendations.
• Loan presentations help lenders and decision-makers quickly understand repayment capacity, structure, material risks, and mitigating factors.
• Annual reviews, renewals, modifications, and risk-rating assessments are completed accurately and on schedule.
• Emerging credit, collateral, environmental, or portfolio concerns are identified early and escalated appropriately.
• Lending partners view you as a credible, responsive, and solutions-oriented credit partner.
• Junior analysts benefit from practical guidance that improves the quality and consistency of their work.
• Your analysis contributes to sound risk decisions, responsible portfolio growth, and the long-term performance of Metro's commercial relationships.

You'll Love This Role If...

• You enjoy understanding how businesses operate and translating financial information into a clear credit story.
• You are comfortable working independently on complex matters while collaborating closely with lenders and leadership.
• You can challenge assumptions, identify risk, and recommend practical solutions without creating unnecessary friction.
• You take pride in accurate, thorough work and communicate complex findings in a straightforward way.
• You enjoy helping others strengthen their analytical skills and credit judgment.
• You want your work to have a visible impact on lending decisions and portfolio performance.

AI Expectations

You will be encouraged to use approved AI tools responsibly to improve efficiency, research, consistency, and the clarity of written work. AI may support information synthesis, document preparation, trend identification, and routine analysis, but it does not replace independent credit judgment, source verification, confidentiality requirements, or established approval processes.

What Great Candidates Bring

Required Qualifications

• 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

Preferred Qualifications

• Bachelor's degree or an equivalent combination of education and relevant experience
• Formal commercial credit training
• Experience reviewing commercial appraisals and environmental reports
• Experience with LoanVantage or a comparable commercial lending platform
• Previous experience mentoring or supporting the development of credit analysts

Compensation

$96,645 - $130,755 annually (or applicable hourly range, depending on the role)

The salary range listed provides a general expectation for the role. Final compensation is based on a variety of factors, including but not limited to experience, skills, education, certifications, internal equity, and market conditions. Compensation decisions are made in alignment with business needs and the qualifications of each candidate.

This position is not eligible for visa sponsorship.

Our Benefits

We believe great work starts with supporting our people. That's why we offer a competitive and well-rounded benefits package designed to support your health, financial well-being, career growth, and work-life balance. From medical, dental, and vision coverage to retirement savings, paid time off, learning opportunities, and employee wellness resources, we invest in helping our employees thrive both at work and beyond.

Ready to Make an Impact?

At Metro Credit Union, we believe our employees are our greatest asset. We are committed to creating a work environment where you can thrive professionally while maintaining work-life balance. From comprehensive benefits and competitive compensation to opportunities for growth and development, we invest in your success. Join a team where your work makes a real difference in protecting our members and strengthening our community.

About Metro Credit Union

Metro Credit Union is the largest state-chartered credit union in Massachusetts, with $3.4 billion in assets. Metro provides a full range of financial products to more than 200,000 members in Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester counties in Massachusetts, and Cheshire, Hillsborough, Merrimack, Rockingham, and Strafford counties in New Hampshire. Metro is the credit union of choice for employees at over 1,200 companies through its Metro@work program.

Founded in 1926, Metro currently operates branch offices in Boston, Burlington, Chelsea, Dorchester, Framingham, Lawrence, Lynn, Medford, Melrose, Newton, Peabody, Reading, Salem, Tewksbury, and West Roxbury. Metro is also a Juntos Avanzamos ("Together We Advance") designated credit union, an honor given to financial institutions for their commitment to serving and empowering Hispanic and immigrant consumers. Metro was recently named among the most charitable companies in Massachusetts by the Boston Business Journal; voted Top Credit Union in Banker & Tradesman's Best of 2025 awards; and recognized as one of America's Best Regional Banks and Credit Unions in 2025 by Newsweek. Learn more at MetroCU.org.