Commercial Credit Analyst II

North Easton Savings Bank•Easton, MA

3d•Onsite

About The Position

Position Summary Responsible for analyzing credit information for granting credit on current and potential commercial borrowers for a variety of diversified loans. Essential Job Responsibilities The essential functions include, but are not limited to the following: Spreads and analyzes financial statements to present credit recommendations verbally or in written form. Works directly with Commercial Lenders to prepare approval memos, renewal requests, loan modifications of higher complexity with minimal oversight. Assists in the protection of asset quality of the commercial portfolio by preparing annual reviews on commercial relationships of higher complexity. Maintains tickler systems within the Loan Origination platform to ensure accurate recordkeeping. Assists in monitoring requests for and receipt of all borrowers’ financial statements. Orders, receives, tracks, and reviews appraisals and environmental reports. Prepares a variety of standard reports on a consistent and as-needed basis. Provides suggestions on report enhancements. Prepares credit history comments summarizing loans quarterly as needed. Provides the highest level of service and responsiveness to the customers served by the Bank. Perform all duties in accordance with prescribed regulatory compliance guidelines, established Bank policies, strategies, and procedures. Mentor & assist in training junior team members.

Requirements

Bachelor’s Degree in Finance/Accounting or related field required.
Minimum two (2) years of direct commercial credit analysis experience coupled with formal credit training required.
Proven experience successfully completing complex credit analysis without managerial guidance with an acceptable level of corrections.
Proficient with Microsoft Office applications (Word, Excel, PowerPoint).
Experience with financial spreading software, commercial software applications and banking core data platforms required.
Excellent verbal and written communication skills.
Proficient in multi-tasking within a team-oriented environment with a strong focus on customer service while maintaining the ability to deliver finished products within a predetermined timeframe.
Interacts effectively with customers and responds to sensitive inquiries or complaints with tact and professionalism.
Possesses outstanding quantitative and analytical skills including the ability to read, analyze, and interpret complex documents and calculate figures and amounts 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, approach issues with an analytical mindset and draw valid conclusions.

Responsibilities

Spreads and analyzes financial statements to present credit recommendations verbally or in written form.
Works directly with Commercial Lenders to prepare approval memos, renewal requests, loan modifications of higher complexity with minimal oversight.
Assists in the protection of asset quality of the commercial portfolio by preparing annual reviews on commercial relationships of higher complexity.
Maintains tickler systems within the Loan Origination platform to ensure accurate recordkeeping.
Assists in monitoring requests for and receipt of all borrowers’ financial statements.
Orders, receives, tracks, and reviews appraisals and environmental reports.
Prepares a variety of standard reports on a consistent and as-needed basis.
Provides suggestions on report enhancements.
Prepares credit history comments summarizing loans quarterly as needed.
Provides the highest level of service and responsiveness to the customers served by the Bank.
Perform all duties in accordance with prescribed regulatory compliance guidelines, established Bank policies, strategies, and procedures.
Mentor & assist in training junior team members.