Senior Credit Analyst — CRE, Construction & C&I

Reading Cooperative Bank; Reading (MA); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Medical plans with HRA/HSA

Dental & Vision

FSAs

Disability insurance

Employee Assistance Program

Paid time off

Emergency loan program

Tuition assistance

Job summary

Reading Cooperative Bank is seeking an experienced Senior Credit Analyst to join our Credit Team. Reporting to the SVP, Chief Credit Officer, this role underwrites and analyzes a diverse portfolio of commercial real estate, construction, and C&I loans.

You will prepare clear credit presentations, assess financial statements, cash flows, and collateral, and coordinate with lenders and third parties to support timely and prudent loan decisions.

Qualifications

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

Responsibilities

• Independently underwrite commercial real estate, 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 financial statements, rent rolls, leases, budgets, and market data.
• Develop cash flow analyses, evaluate collateral positions, review appraisals, and stress-test financial assumptions.
• Assess borrower risk factors including management and industry conditions.
• Recommend risk ratings and appropriate loan structures, covenants, and credit enhancements.
• Perform annual and interim reviews, covenant testing, and portfolio monitoring.
• Coordinate with third-party vendors on appraisals and due diligence.

Skills

Credit analysis

Underwriting

Financial statement analysis

Cash flow analysis

Portfolio monitoring

Risk assessment

Education

Bachelor’s degree in Accounting/Finance

Equivalent combination of education and experience

Job description

Reading Cooperative Bank is seeking an experienced Senior Credit Analyst to join our Credit Team. Reporting to the SVP, Chief Credit Officer, this role underwrites and analyzes a diverse portfolio of commercial real estate, construction, and C&I loans.

You will prepare clear credit presentations, assess financial statements, cash flows, and collateral, and coordinate with lenders and third parties to support timely and prudent loan decisions.