Credit Analyst
Avidia Bank • Hudson, MA4d
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Credit Analyst
Avidia Bank•Hudson, MA
About The Position
Minimizes credit risk by performing independent risk analysis on new credit requests and existing credit relationships for C&I, commercial real estate, and commercial construction loans in accordance with established bank policies and procedures. The role generally focuses on larger loan relationships and more complex commercial credit requests. Candidate background and experience will determine the position level: Credit Analyst I, Credit Analyst II, Credit Analyst III, or Senior Credit Analyst. The position performs functions within its scope of authority and expertise to provide a high level of service and responsiveness to customers. It applies consistent underwriting standards to credit requests requiring board approval, conducts due diligence and risk analysis, reviews credit requests and customer relationships, evaluates collateral, and analyzes borrower financial statements. It may also support management reporting and project teams, participate in client meetings or site visits, and mentor junior credit administration team members. Related or unrelated duties may also be required.
Requirements
- Bachelor’s degree in business, finance, or accounting.
- Three to five years of commercial credit underwriting experience with CRE, C&I, and commercial construction loans.
- Broad banking background with depth of knowledge in commercial lending.
- Proven problem-solving, decision-making, communication, and negotiation skills.
- Strong credit analysis and underwriting skills, including the ability to perform detailed financial analyses and understand complex financial statements.
- Ability to prioritize tasks within defined responsibilities and apply bank and department policies and procedures.
- Proficiency with business software, including the Microsoft Office suite; intermediate or advanced Excel skills are required.
- Position level/title and salary will be based on candidate background and experience.
Nice To Haves
- Experience with LoanVantage loan origination/management systems.
Responsibilities
- Apply credit underwriting standards consistently to credit requests requiring board approval.
- Conduct independent due diligence and use appropriate underwriting techniques to assess risk in individual credit requests.
- Analyze complex credit requests and existing customer relationships.
- Conduct annual reviews on line-of-credit renewals.
- Evaluate collateral for new loan requests and annual line-of-credit renewals.
- Perform detailed analysis of prospective borrowers’ corporate financial statements.
- Produce periodic reports and participate on project teams as needed to support management.
- Participate in client meetings and site visits as needed to evaluate credit requests or support ongoing customer relationship management.
- Provide mentorship, guidance, and support to junior credit administration team members as needed.
- Perform other related or unrelated duties as required.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
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