Senior Credit Analyst

Machias Savings Bank Career • Caribou, ME

3d

About The Position

Are you looking for an opportunity to learn, grow, and thrive with one of the “Best Places to Work in Maine”? Machias Savings Bank is more than a bank committed to serving our customers and empowering them to reach their potential; we are a family-first, employee-focused group of community leaders committed to moving Maine, New Hampshire — and each other — forward. Our baseline benefit package includes Profit Sharing, 401(k) match, Health, Dental, Vision, Life and Disability Insurance, generous Paid Time Off options and more! A career with Machias Savings Bank is as rewarding as it is challenging, and we can’t wait to work with you! Voted Best Small Bank in Maine - Newsweek Voted 2025 Best Bank To Work For - American Banker Voted 2025 Best Places To Work in Maine - MESHRM Machias Savings Bank is seeking a skilled and analytical Senior Credit Analyst to join our Commercial Credit team. In this role, you’ll evaluate and underwrite complex commercial loan requests and large credit relationships. You’ll analyze financial data, prepare loan offerings, and collaborate with loan officers to deliver exceptional service, all while ensuring compliance with internal policies and regulatory standards.

Requirements

• Degree in Business, Finance, or equivalent experience
• 5+ years of commercial credit underwriting or related experience
• Strong financial analysis and Excel skills (including formulas)
• Working knowledge of GAAP and credit risk assessment
• Excellent attention to detail, communication, and collaboration skills

Responsibilities

• Underwrite complex commercial loan requests and relationships
• Analyze financial statements, cash flow, and industry trends
• Prepare credit narratives and present to approval officers and loan committees
• Maintain and update financial spreads in the loan underwriting system
• Ensure compliance with bank credit policy and government regulations

Benefits

• Profit Sharing
• 401(k) match
• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Disability Insurance
• Paid Time Off

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level