2026 Commercial Banking Rotation Program

unibank•Whitinsville, MA

2d•$55,000 - $65,000

About The Position

We have a Unique opportunity to join the UniBank team as part of the 2026 Commercial Banking Rotation Program. This position reports directly to our Chief Lending Officer and will work closely with other teams across the Bank. We are group of talented, professional individuals passionate about supporting our customers and co-workers. We’re looking for someone who thrives in a position where delivering exceptional customer service is expected, who gets excited about learning new things, and wants to work in an environment where no two days will ever be the same. If being part of a team that gets to make a difference in their community is what you have been looking for – then come join us! The Commercial Banking Rotation Program is a 2-3-year rotational program designed to help you launch a challenging, accelerated and rewarding career. You’ll have the tools to build a strong foundation in Commercial Credit Analysis, Commercial Risk Management, Commercial Relationship Management and other various functions and products offered to our customers. Throughout your rotations, you’ll be an integral part of the team and have a wide variety of hands-on experiences. You’ll develop a thorough understanding of commercial banking and risk management, while learning the fundamentals of relationship management, underwriting and portfolio management. Ongoing training will provide an in-depth look into critical teams and support functions, offering you a unique perspective across the Bank. You’ll receive ongoing mentorship and career development from seasoned leaders and executives across UniBank, helping you build the necessary skills, competencies and experiences to accelerate your career. Challenging team and individual projects, client interaction and broad business exposure, will allow you to develop a strong foundation in financial & credit analysis, relationship management & sales while you grow as a leader in the financial services industry.

Requirements

Bachelor’s degree in Business related field required. Strong preference for Finance or Accounting major or concentration.
Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred.
Excellent verbal, written and interpersonal communication skills.
Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
Must be self-motivated with strong initiative, accountability, and attention to detail.

Responsibilities

Prepare loan approval packages, in partnership with Commercial Banking and Sr. Credit team members for credit decisioning.
Provide complete analysis of loan approval packages for new credit requests, as well as annual reviews of existing relationships, utilizing the various underwriting methods as established by Credit Administration.
Analyze financial information to identify key strengths, credit risks, and mitigating factors associated with credit requests.
Determine appropriate loan structures and banking solutions to meet customer needs.
Monitor credit exposure for portfolio relationships.
Working with assigned group to analyze/structure debt facilities, conduct relationship reviews, create marketing plans, identify ancillary product opportunities, and conduct industry research.
Observing and participating in prospect and customer calls.
Observing and participating in sales, workload, and loan committee, meetings.
Learning risk mitigation processes and understand various aspects of risk and compliance.
Gaining an understanding of loan documentation and the loan closing process.
Developing an understanding of the full breadth of UniBank's products and services offerings.