Senior Credit Analyst: CRE & C&I Underwriter

Reading Co-Operative; Reading (MA); On-site; USD 95,000 - 105,000; Full time

Benefits offered by this job

Medical plans with HRA or HSA

Dental and vision coverage

Flexible spending accounts

Disability insurance

Employee Assistance Program (EAP)

Generous paid time off

Interest-free emergency loan program

Tuition assistance

Job summary

Reading Cooperative Bank is seeking an experienced Senior Credit Analyst to join our collaborative Credit Team in Reading, MA. You will underwrite commercial lending opportunities and prepare credit presentations for loan committee review.

Reporting to the SVP, Chief Credit Officer, you will analyze financial statements, cash flow, collateral, and market data while maintaining disciplined credit decisions across a diverse loan portfolio.

Qualifications

• Bachelor’s degree in Accounting, Finance or related field.
• Minimum 2 years of credit analysis experience in CRE, C&I, Construction with exposure up to 10+ million.
• Equivalent combination of education and experience.

Responsibilities

• Independently underwrite CRE, construction and C&I loan requests for new and existing customers.
• Prepare clear, well-supported written credit presentations for approval and loan committee review.
• Analyze financial statements, tax returns, personal statements, rent rolls, leases, budgets and market data.
• Develop cash flow analyses, evaluate collateral positions, review appraisals, and stress-test assumptions.
• Assess quantitative and qualitative risk factors, including borrower performance and industry conditions.
• Recommend risk ratings and appropriate loan structures, covenants and mitigants.
• Perform annual and interim reviews, covenant testing and portfolio monitoring.
• Coordinate with third-party vendors on appraisals, environmental reports and inspections.

Skills

Credit analysis

Underwriting

Financial analysis

Credit presentations

Portfolio monitoring

Education

Bachelor’s degree in Accounting, Finance or related field

Job description

Reading Cooperative Bank is seeking an experienced Senior Credit Analyst to join our collaborative Credit Team in Reading, MA. You will underwrite commercial lending opportunities and prepare credit presentations for loan committee review.

Reporting to the SVP, Chief Credit Officer, you will analyze financial statements, cash flow, collateral, and market data while maintaining disciplined credit decisions across a diverse loan portfolio.