Sr. Credit Analyst

Beacon Bank; Boston (MA); On-site; USD 56,000 - 102,000; Full time

Job summary

Beacon Bank in Boston, MA seeks an Underwriter Analyst to analyze and underwrite credit requests for commercial lending. You will collaborate with Relationship Managers, review financials, tax returns, and appraisals, and ensure compliance with bank policy.

This role involves assisting with portfolio management, annual reviews, and mentoring junior analysts. The ideal candidate holds a Bachelor’s degree and 3–5 years of commercial credit experience, with strong communication and proficiency in

Qualifications

• Bachelor’s degree in a relevant field.
• 3–5 years of commercial credit experience.
• Strong written and verbal communication skills.

Responsibilities

• Analyze and underwrite credit requests using applications, spreads, financials, tax returns, and appraisals.
• Ensure compliance with bank policy and note exceptions.
• Discuss deal structure and collateral with Relationship Managers.
• Accompany RMs on calls and interact with customers.
• Prepare annual reviews and maintain relationship data.
• Identify potential problem loans and assist with inquiries.
• May mentor junior analysts.

Skills

Excellent written and oral沟通 skills

Credit analysis

Underwriting standards knowledge

Be familiar with compliance

Education

Bachelor’s degree in relevant field

Tools

Excel

Word

Access

Job description

Division: Commercial

Department: CRE – Credit & Admin

Reports to: Underwriting & Portfolio Manager

Status: Exempt

Grade: 10

Salary Range: $55,588 - $102,474

Actual compensation within the pay range will be determined based on factors including, but not limited to, skills, prior relevant experience, and specific work location.

Location: Boston, MA

Principal Objective

To analyze and underwrite credit requests for Bank prospects and customers and to maintain and monitor loans within the portfolio under the supervision of lending officers.

Key Accountabilities

• Analyze and underwrite credit requests in a timely fashion by using some or all of the following resources: applications, spreads, financial statements, tax returns, credit bureaus, meetings with customers/prospects, appraisals, web research and other resources as necessary.


• Determine if request is in compliance with Bank policy and note any exceptions.


• Discuss deal structure, cash flow, collateral, and customer character with Relationship Managers (RM).


• Accompany RM on customer calls and interact with customers in person and over the phone as directed by lender.


• Interact with financial professionals including CPA’s, CFO’s, etc. as needed to assist in the underwriting of credit memos.


• Present written analysis and observe presentations by lenders.


• Conducts market surveys through contact with brokers, online research, etc.


• Manage existing portfolio of customers by tracking and preparing annual reviews of relationship obligations.


• Maintain tracking database with updated information as needed.


• Identify potential problem loans and deficiencies.


• Assist customers when needed with questions regarding loans and retail products.


• May oversee workflow or mentor junior Analysts

Education

• Bachelor’s degree in relevant field

Experience

• 3 – 5 years of commercial credit experience

Skills & Knowledge

• Excellent written and oral communication skills


• Extensive knowledge of PC applications, including Excel, Word and Access


• Be well versed in the Bank’s credit policy and underwriting standards


• Be familiar with and fulfill compliance requirements

Beacon Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. If you would like to contact us regarding the accessibility of our website, need assistance completing the application process, or would like to request alternative methods of applying, please contact us at [e-mail].