Commercial Services - Senior Commercial Credit Analyst

Metro Credit Union • Chelsea, MA

4d • $96,645 - $130,755 • Onsite

About The Position

We’re looking for a Senior Commercial Credit Analyst to support the evaluation and underwriting complex commercial loan requests. This role partners closely with lenders and leadership to assess risk, structure deals, and support portfolio performance. You’ll play a key role in high-impact credit decisions while also mentoring junior team members and contributing to a collaborative, high-performing credit team.

Requirements

• Bachelor’s degree or equivalent combination of education and experience
• 4+ years of commercial credit or lending experience
• Strong experience analyzing C&I, construction, and commercial real estate transactions
• Excellent analytical, financial modeling, and research skills
• Strong attention to detail with the ability to produce accurate, thorough work
• Ability to manage multiple priorities, meet deadlines, and work independently
• Strong written and verbal communication skills with the ability to clearly present complex analysis
• Proficiency in Excel and familiarity with loan systems (Loan Vantage or similar preferred)
• Ability to exercise sound judgement and make informed credit recommendations
• High level of professionalism and ability to maintain confidentiality of sensitive information

Responsibilities

• Analyze and underwrite complex commercial loan requests across C&I, construction, and commercial real estate portfolios
• Review financial statements, tax returns, cash flow, collateral, and industry trends to assess overall credit risk
• Partner with lenders to develop clear, well-supported loan presentations and recommendations
• Conduct annual reviews, renewals, modifications, and risk rating assessments for existing credit relationships
• Identify potential risks and recommend appropriate credit structures and mitigating strategies
• Collaborate with internal stakeholders and third-party partners (e.g., appraisers, environmental professionals) as part of the due diligence process
• Participate in borrower meetings alongside Relationship Managers to gain insight into business operations and management teams
• Provide guidance and mentorship to junior analysts, supporting development and consistency across the team

Benefits

• Health, Dental, and Vision coverage for employees working minimum of 20 hours/week; Metro provides assistance toward premiums and copays
• Sales Incentives; annual retention bonus vesting program
• Three weeks paid vacation; 11 paid holidays
• 401(k) with matching plan & safe harbor plan – allowing every employee to save for retirement. Metro contributes 3% regardless of employee’s contribution
• Wellness Incentives; Employee Assistance Program; Flexible Spending Account; Health Savings Account; Prescription Drug program and range of voluntary benefits (LTD, STD, AD&D); access to no-interest loans
• $150/Quarter reimbursements for wellness and lifestyle expenses
• Discounts on Pet Insurance
• Strong growth opportunities with development plans and position-related or job-related tuition assistance to help you attain your long-term career goals
• Exceptional training program (classroom, on-the-job, and mentoring)

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree