Sr. Commercial Credit Analyst

North Easton Savings Bank•Easton, MA

3d•Onsite

About The Position

Based in our Main Office in South Easton, MA, the Sr. Commercial Credit Analyst is responsible for analyzing credit information for granting credit on current and potential commercial borrowers for a variety of diversified loans.

Requirements

Bachelor’s Degree in Finance/Accounting or related field required.
Minimum three (3) to five (5) years of direct commercial credit analysis experience coupled with formal credit training required.
Proven experience successfully completing the most complex credit analysis without managerial guidance and little to no corrections.
Proficient with Microsoft Office applications (Word, Excel, PowerPoint).
Proficient with financial spreading software, commercial software applications and banking core data platforms required.
Excellent verbal and written communication skills.
Proficient in multi-tasking within a team-oriented environment with a strong focus on customer service while maintaining the ability to deliver finished products within a predetermined timeframe.
Interacts effectively with customers and responds to sensitive inquiries or complaints with tact and professionalism.
Possesses outstanding quantitative and analytical skills including the ability to read, analyze, and interpret complex documents and calculate figures and amounts such as 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, approach issues with an analytical mindset and draw valid conclusions.

Responsibilities

Spreads and analyzes financial statements and presents credit recommendations both verbally and in writing.
Works directly with Commercial Lenders to prepare approval memos, renewal requests and loan modifications of the highest complexity with little to no oversight.
Assists in the protection of asset quality of the commercial portfolio by preparing annual reviews on commercial relationships of the highest complexity
Maintains tickler systems within the Loan Origination platform to ensure accurate recordkeeping.
Assists in monitoring requests for and receipt of all borrowers’ financial statements.
Orders, receives, tracks, and reviews appraisals and environmental reports.
Prepares a variety of standard reports on a consistent and as-needed basis. Provides suggestions on report enhancements.
Prepares credit history comments summarizing loans quarterly as needed.
Provides the highest level of service and responsiveness to the customers served by the Bank.
Perform all duties in accordance with prescribed regulatory compliance guidelines, established Bank policies, strategies, and procedures.
Mentor & train junior team members.