Commercial Credit Analyst

New Hampshire Mutual Bancorp•Concord, NH

2d•$65,000 - $87,000•Onsite

About The Position

The Merrimack is seeking an experienced, detail-oriented, and collaborative Credit Analyst to support its commercial lending and credit administration teams. This position is well suited for a candidate with established credit analysis experience who is ready to contribute in a mid- to senior-level capacity in a community banking environment. In this role, you will prepare comprehensive credit analyses, evaluate financial performance and repayment capacity, identify credit risks, and support sound lending decisions for new and existing commercial relationships.

Requirements

Bachelor’s degree in Business, Finance, Accounting, or a related field preferred
Typically three or more years of experience in commercial credit, commercial lending, portfolio management, finance, accounting, or a related banking field
Demonstrated ability to analyze business and personal financial statements, tax returns, cash flow, collateral, and repayment sources
Strong written and verbal communication skills, including the ability to present credit information clearly and professionally
Experience with loan origination systems, including nCino
Proficiency with Microsoft Excel and standard office software applications
Ability to prepare spreadsheets, reports, and ad hoc analyses to support credit decisions and portfolio management
Strong attention to detail, organizational skills, and ability to manage multiple priorities and deadlines in a changing environment
Ability to collaborate across departments while maintaining professionalism, sound judgment, and confidentiality

Responsibilities

Prepare clear, thorough credit analyses for commercial loan requests, renewals, annual reviews, and relationship reviews
Evaluate financial statements, tax returns, projections, collateral, guarantor support, repayment capacity, and overall credit risk
Identify key risks, strengths, trends, covenant concerns, loan exceptions, and other factors affecting credit quality
Provide underwriting support, credit recommendations, and portfolio insight to lenders and credit management
Assist with collateral evaluations, appraisal reviews, and related documentation as needed
Support portfolio monitoring through Watch List reports, Watch Asset reports, loan loss reserve analysis, annual reviews, and other credit-related reporting
Track financial statements, file commentaries, annual reviews, and credit follow-up items to help maintain timely and accurate credit files
Communicate regularly with lenders, credit management, and internal partners regarding priorities, deadlines, and work in progress