Senior Credit Analyst

Talently; Franklin (MA); On-site; USD 90,000 - 130,000; Full time

Job summary

Talently's Franklin, MA-based Senior Credit Analyst role leads credit quality reviews for commercial, CRE and construction loans, supervising a small team of analysts, and guiding lending decisions through rigorous financial and collateral analysis, including cash-flow and ratio reviews.

You will prepare credit summaries and presentations for loan officers and the Lending Committee, manage monitoring and reporting like covenant tracking and ALR, and ensure compliance with credit policies in a

Qualifications

• Bachelor’s degree in business, finance or accounting.
• Minimum three (3) years of commercial credit analysis experience in financial services.
• Demonstrated expertise in commercial credit assessment including cash-flow, ratio and collateral analysis.
• Advanced Excel and spreadsheet modeling and analysis skills.
• Experience preparing credit rating memoranda and lending committee presentations.
• Familiarity with loan monitoring and reporting: Loan Exception Reports, Loan Covenant Tracking, ALR and Pipeline reports.
• Proven supervisory or managerial experience leading analysts or professional staff.

Responsibilities

• Lead, coach and manage credit analysts; assign work, review deliverables, address performance and ensure accuracy and quality of analyses.
• Review, analyze and process commercial, CRE and construction loan requests, performing ratio, cash-flow and collateral analyses and recommending credit actions.
• Prepare financial statement spreadsheets, credit summaries, credit rating memoranda and presentations for loan officers and the Lending Committee.
• Maintain and manage monitoring and reporting including Loan Exception Reports, Loan Covenant Tracking, Pipeline Reports and ALR Reports, and oversee the renewal/tickler process.
• Review appraisals, environmental reports, tax returns and customer financial statements; contact credit and financial sources for additional information as needed.
• Ensure credit extensions align with risk appetite, internal credit policies and exception management guidelines; identify, elevate and monitor exceptions.
• Develop and implement portfolio reporting and statistical approaches to monitor credit risk, identify trends and forecast potential outcomes.

Skills

Credit analysis

Cash-flow analysis

Collateral analysis

Advanced Excel

Credit rating memoranda

Loan monitoring

Supervisory experience

Education

Bachelor’s degree in business, finance or accounting

Job description

Location: On Site - Franklin, Massachusetts, United States

About the Banking Company / The Opportunity:

Join a dynamic company in the Banking industry focused on disciplined commercial lending and proactive portfolio risk management. The Senior Credit Analyst role provides the opportunity to lead credit quality reviews for commercial, commercial real estate and construction loans, manage a small team of analysts, and influence lending decisions through rigorous financial and collateral analysis. This on-site Franklin, MA position is ideal for a candidate who wants to shape credit monitoring, exception management and portfolio-level reporting in a hands-on lending environment.

Responsibilities:

• Lead, coach and manage credit analysts; assign work, review deliverables, address performance and ensure accuracy and quality of analyses.
• Review, analyze and process commercial, commercial real estate and construction loan requests, performing ratio, cash-flow and collateral analyses and recommending credit actions.
• Prepare financial statement spreadsheets, credit summaries, credit rating memoranda and presentations for loan officers and the Lending Committee.
• Maintain and manage monitoring and reporting including Loan Exception Reports, Loan Covenant Tracking, Pipeline Reports and ALR Reports, and oversee the renewal/tickler process.
• Review appraisals, environmental reports, tax returns and customer financial statements; contact credit and financial sources for additional information as needed.
• Ensure credit extensions align with risk appetite, internal credit policies and exception management guidelines; identify, elevate and monitor exceptions.
• Develop and implement portfolio reporting and statistical approaches to monitor credit risk, identify trends and forecast potential outcomes.

Must-Have Skills:

• Bachelor’s degree in business, finance or accounting (or equivalent).
• Minimum three (3) years of commercial credit analysis experience in financial services.
• Demonstrated expertise in commercial credit assessment including cash-flow, ratio and collateral analysis.
• Advanced Excel and spreadsheet modeling and analysis skills.
• Experience preparing credit rating memoranda and lending committee presentations.
• Familiarity with loan monitoring and reporting: Loan Exception Reports, Loan Covenant Tracking, ALR and Pipeline reports.
• Proven supervisory or managerial experience leading analysts or professional staff.
• Strong verbal and written communication, organizational skills, and ability to interpret loan documents and policies.

Nice-to-Have Skills:

• Experience with commercial real estate and construction lending.
• Professional certifications such as CFA or relevant commercial lending credentials.
• Experience developing portfolio-level reporting, statistical monitoring and forecasting credit trends.
• Familiarity with credit administration systems, tickler/renewal workflow tools and lending platforms.
• Knowledge of environmental appraisal review processes and regulatory compliance in banking.