Sr. Commercial Credit Analyst

North Easton Savings Bank•South Easton, MA

3d•Onsite

About The Position

The Sr. Commercial Credit Analyst analyzes financial statements and presents credit recommendations verbally and in writing. The role works directly with Commercial Lenders on approval memos, renewal requests, and complex loan modifications, with little to no oversight. It also supports commercial portfolio asset quality through annual reviews of complex commercial relationships, monitors borrower financial statement requests and receipts, and manages accurate tickler records in the Loan Origination platform. The analyst orders, tracks, and reviews appraisals and environmental reports; prepares standard and as-needed reports; suggests report enhancements; and prepares quarterly credit history comments as needed. The position provides responsive service to the Bank’s customers, follows regulatory requirements and Bank policies and procedures, and mentors and trains junior team members. This is an office-based position involving clerical work, including typing, writing, and filing, as well as moving throughout the office, sitting for extended periods, and seeing and hearing in an office setting. Employees may occasionally need to transport up to 20 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The position is not subject to SAFE Act Registration Requirements. The Bank is an equal opportunity workplace and prohibits harassment and discrimination based on characteristics protected by law.

Requirements

Bachelor’s degree in Finance, Accounting, or a related field.
Three to five years of direct commercial credit analysis experience coupled with formal credit training.
Proven ability to complete the most complex credit analyses without managerial guidance and with little to no corrections.
Proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint.
Proficiency with financial spreading software, commercial software applications, and banking core data platforms.
Excellent verbal and written communication skills.
Ability to multitask in a team-oriented environment, maintain a strong customer-service focus, and deliver finished products within predetermined timeframes.
Ability to interact effectively with customers and respond to sensitive inquiries or complaints tactfully and professionally.
Strong quantitative and analytical skills, including the ability to interpret complex documents and calculate 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 analytically, and draw valid conclusions.

Responsibilities

Spread and analyze financial statements and present credit recommendations verbally and in writing.
Work directly with Commercial Lenders to prepare approval memos, renewal requests, and loan modifications of the highest complexity with little to no oversight.
Help protect the asset quality of the commercial portfolio by preparing annual reviews on commercial relationships of the highest complexity.
Maintain tickler systems within the Loan Origination platform to ensure accurate recordkeeping.
Assist in monitoring requests for and receipt of borrowers’ financial statements.
Order, receive, track, and review appraisals and environmental reports.
Prepare standard reports on a consistent and as-needed basis and suggest report enhancements.
Prepare credit history comments summarizing loans quarterly as needed.
Provide a high level of service and responsiveness to Bank customers.
Perform duties in accordance with regulatory compliance guidelines and established Bank policies, strategies, and procedures.
Mentor and train junior team members.
Perform other related or unrelated duties that may be assigned.