Commercial Credit Analyst II
About The Position
Responsible for analyzing credit information to support credit decisions for current and prospective commercial borrowers across a variety of diversified loans. The position works with Commercial Lenders on higher-complexity credit documentation and reviews, supports commercial portfolio asset quality, and maintains accurate loan records. It also provides service to Bank customers, follows regulatory requirements and Bank policies, and helps train junior team members. This is an office-based position involving clerical work, computer use, writing and filing, movement around the office, and extended periods of sitting. Employees must be able to see and hear in an office environment with surrounding noise and may occasionally need to transport up to 20 pounds. Other related or unrelated duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. The position is not subject to SAFE Act Registration Requirements. North Easton Savings Bank is an equal opportunity workplace and prohibits harassment and discrimination based on protected characteristics.
Requirements
- Bachelor’s degree in Finance, Accounting, or a related field.
- At least two years of direct commercial credit analysis experience, together with formal credit training.
- Proven ability to complete complex credit analysis without managerial guidance, with an acceptable level of corrections.
- Proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint.
- Experience with financial spreading software, commercial software applications, and banking core data platforms.
- Excellent verbal and written communication skills.
- Ability to multitask in a team-oriented environment, prioritize customer service, and deliver finished products within predetermined timeframes.
- Ability to interact effectively with customers and respond to sensitive inquiries or complaints with tact and professionalism.
- Strong quantitative and analytical skills, including the ability to interpret complex documents and calculate figures such as discount rates, interest rates, commissions, proportions, percentages, and ratios.
- Solid understanding of accounting principles and federal tax reporting.
- Ability to define problems, collect data, establish facts, think critically, solve problems analytically, and draw valid conclusions.
Responsibilities
- Spread and analyze financial statements and present credit recommendations verbally or in writing.
- Work with Commercial Lenders to prepare approval memos, renewal requests, and higher-complexity loan modifications with minimal oversight.
- Assist in protecting commercial portfolio asset quality by preparing annual reviews for higher-complexity commercial relationships.
- Maintain tickler systems in the Loan Origination platform to ensure accurate recordkeeping.
- Assist in monitoring requests for and receipt of borrowers’ financial statements.
- Order, receive, track, and review appraisals and environmental reports.
- Prepare standard reports on a regular and as-needed basis and suggest report enhancements.
- Prepare quarterly credit history comments summarizing loans as needed.
- Provide a high level of service and responsiveness to Bank customers.
- Perform duties in accordance with regulatory compliance guidelines and established Bank policies, strategies, and procedures.
- Mentor and assist in training junior team members.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
