Senior Credit Analyst I

Middlesex Savings Bank • Natick, MA

20h • $62,682 - $111,280

About The Position

Performs commercial credit analysis and recommends appropriate credit structure on more complex credit relationships in conformance with established policies, procedures, and objectives. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers.

Requirements

• Bachelor's Degree plus specialized course work and training is required.
• 5+ years of credit-related experience is required.
• Must demonstrate a strong knowledge of commercial credit analysis including the ability to analyze repayment sources, evaluate risk, identify risk mitigation, and provide deep insight into the creditworthiness of a commercial borrower.
• Working knowledge of accounting and a solid understanding of commercial loan documentation.
• High attention to detail with strong analytical, communication, and interpersonal skills required.
• Strong working knowledge of Microsoft Office Suite and ability to learn new software, including the Bank’s Commercial Loan Origination System.

Responsibilities

• Works with department management for training.
• Expands knowledge base on spreading financial statements and preparing cash flow analyses for complex businesses and transactions.
• Analyzes financial statements and provides interpretive analysis for use in loan decision making.
• Underwrites complex renewals, modifications, new money requests, and mortgage reviews with little supervision.
• Assigned investment reviews.
• Supports other credit colleagues, lending department staff, and other bank departments on a routine basis, demonstrating strong communication and teamwork skills.
• Demonstrates strong time management skills in order to meet competing deadlines and expectations.
• Performs all duties in compliance with regulatory guidelines.
• Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers.

What This Job Offers

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