Senior Credit Analyst II

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 coverage

Vision coverage

Flexible spending accounts (FSA)

Disability insurance

Employee Assistance Program (EAP)

Generous paid time off

Interest-free emergency loan program

Tuition assistance

Job summary

Reading Cooperative Bank is seeking a Senior Credit Analyst II to join our collaborative Credit Team in Reading, MA. You will perform advanced credit analysis and underwriting for a diverse portfolio of commercial real estate, construction, and C&I lending relationships.

Reporting to the SVP, Chief Credit Officer, you will help develop other analysts, support disciplined credit practices, and prepare for expanded leadership responsibilities within the credit function.

Qualifications

• Bachelor's degree in Accounting or Finance required.
• 3–5 years of progressively responsible commercial credit analysis experience, including underwriting.
• Demonstrated leadership potential and desire to develop into future credit leadership roles.

Responsibilities

• Perform advanced credit analysis and underwriting for commercial lending relationships.
• Support the Bank's disciplined credit culture and act as a senior resource within the team.
• Help develop and mentor other analysts and prepare for expanded leadership within credit.

Skills

Credit analysis

Underwriting

Financial analysis

Leadership potential

Education

Bachelor's degree in Accounting or Finance

Job description

At Reading Cooperative Bank, we are more than a financial institution-we are a mutual cooperative bank dedicated to strengthening Main Street and supporting the communities we proudly serve. Rooted in a tradition of trust, collaboration, and local impact, we work every day to empower individuals, families, and small businesses to thrive. If you are passionate about making a meaningful difference and building relationships that matter, we invite you to explore a career with us.

We are seeking a Senior Credit Analyst II to join our collaborative and high-performing Credit Team. Reporting directly to the SVP, Chief Credit Officer, this role is a key contributor to the Bank's commercial lending success, providing independent credit analysis and underwriting support across a diverse portfolio of commercial real estate, construction, and commercial & industrial lending relationships.

What You'll Do

As a Senior Credit Analyst II, you will perform advanced credit analysis and underwriting for commercial lending relationships while supporting the Bank's disciplined credit culture. This role also serves as a senior resource within the department, helping develop and support other analysts while preparing for expanded leadership responsibilities within the credit function.

What You'll Bring

• Bachelor's degree in Accounting, Finance, or a related field and,
• 3-5 years of progressively responsible commercial credit analysis experience, including underwriting and analyzing complex commercial credit relationships; or an equivalent combination of education and experience.
• Demonstrated leadership potential, strong judgment, and a desire to develop into future credit leadership roles.

Join a team where your analysis drives decisions, your expertise is respected, and your work makes a difference. We offer a comprehensive and competitive benefits package designed to support the well-being of our employees, including:

• Choice of medical plans with HRA or HSA options
• Dental and vision coverage
• Flexible spending accounts (FSA)
• Disability insurance

Additional benefits include:

• Employee Assistance Program (EAP)
• Generous paid time off
• Interest-free emergency loan program (up to $2,000, subject to program guidelines)
• Tuition assistance (available to full-time and part-time employees)

Reading Cooperative Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

The pay range indicated is the lowest to highest compensation we reasonably in good faith believe we would pay at posting for this role. We may ultimately pay more or less than this range. Employee pay is based on factors like relevant education, qualifications, certifications, experience, skills, seniority, location, and performance. This range may be modified in the future.