Senior Credit Analyst — Commercial Lending Leader

Needham Bank; Wellesley (MA); Presencial; USD 90.000 - 140.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Medical and dental insurance

HRA

401(k) with 8% bank match

Paid time off

Paid holidays

Bonus program

Flexible spending accounts

Vision plan

Group term life insurance

Disability insurance

Tuition reimbursement

Employee Assistance Program

Descripción de la vacante

Needham Bank is seeking a seasoned Credit Analyst to evaluate creditworthiness of commercial borrowers by analyzing financial statements, tax returns, and bank references. This role supports lenders in structuring facilities within bank guidelines.

Responsibilities include preparing analyses, supporting loan relationships, and ensuring collateral coverage aligns with policy. A strong background in commercial lending and financial statement analysis is required.

Formación

• Bachelor's degree in Accounting/Finance or related area.
• At least 5 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million.
• Formal Credit Training preferred.
• SBA underwriting experience preferred.
• Experience with Loan Vantage preferred.

Responsabilidades

• Analyze credit information and financial statements and other related information pertaining to the loan relationship.
• Prepare preliminary analysis for the lender.
• Review and prepare written analysis, spreadsheets, reports, summaries and opinions.
• Review loan files to ensure completeness of the file and that all collateral has been secured properly.
• Review and assess collateral values ensuring adequate collateral coverage and compliance with the Bank's loan policy.
• Support commercial lending functions in managing existing loan relationships and pursuing new loan opportunities by analyzing financial information and identifying credit risks.
• Provide recommendations for loan structuring and prepare loan reports including presentations and annual reviews.
• Maintain credit files for the Bank's commercial loan customers.
• Assist commercial loan officers with inquiries and servicing requests.

Conocimientos

Financial analysis

Credit assessment

Loan policy knowledge

Time management

Project management

Communication

Relationship building

Adaptability

Educación

Bachelor's degree in Accounting/Finance

Formal Credit Training

SBA underwriting experience

Herramientas

Microsoft Office

Loan Vantage

Descripción del empleo

Needham Bank is seeking a seasoned Credit Analyst to evaluate creditworthiness of commercial borrowers by analyzing financial statements, tax returns, and bank references. This role supports lenders in structuring facilities within bank guidelines.

Responsibilities include preparing analyses, supporting loan relationships, and ensuring collateral coverage aligns with policy. A strong background in commercial lending and financial statement analysis is required.