Senior Credit Analyst: Complex Lending & Risk Insight

Dedham Savings; Dedham (MA); On-site; USD 83,000 - 111,000; Full time

Benefits offered by this job

Medical, Dental, Vision

Flexible Spending

Tuition Reimbursement

Childcare Subsidy Reimbursement

Retirement

Life Insurance

Job summary

Dedham Savings seeks a Senior Credit Analyst to perform in-depth credit and financial statement analysis for complex commercial credit requests. You will underwrite C&I relationships, assess covenant compliance, and propose structure-related risk mitigation.

You will review loan documentation, prepare periodic reports, and support credit-related systems and training for other analysts, while collaborating with lenders and leadership.

Qualifications

• Bachelor’s degree in economics, accounting, business, finance, or related field; equivalent specialized education in credit analysis may be considered.
• Minimum of five years of progressive banking experience in commercial credit analysis, C&I lending, CRE, or construction lending.
• Strong ability to analyze detailed financial statements and related financial information.
• Experience with credit analysis tools and familiarity with loan documentation and regulatory requirements.

Responsibilities

• Spread and analyze financial statements and assess borrowers’ credit capacity.
• Review trends, covenant compliance, and collateral; identify policy deviations.
• Provide structure-related recommendations and communicate findings to credit staff.
• Maintain credit source documents, trackers, and loan documentation for audits.

Skills

Credit analysis

Financial statement analysis

Commercial lending

Education

Bachelor's degree in economics/accounting/finance

Tools

Moody’s

nCino

Abrigo

Job description

Dedham Savings seeks a Senior Credit Analyst to perform in-depth credit and financial statement analysis for complex commercial credit requests. You will underwrite C&I relationships, assess covenant compliance, and propose structure-related risk mitigation.

You will review loan documentation, prepare periodic reports, and support credit-related systems and training for other analysts, while collaborating with lenders and leadership.