Credit Analyst- Commercial

Senior Credit Analyst‑ Commercial

Cambridge MA

Onsite 5 days to start, will drop to 1 day from home after training

$80K-120K + Bonus.

• Researches and examines credit risks, assesses credit history, and makes a recommendation to approve or disapprove extension of credit.
• Responsible for conducting financial, strategic and competitive analysis for both Business and Commercial real estate customers.
• Prepares loan documents and comprehensive credit proposals for Board presentations; assists management with presentation materials and approval process.
• Develops and analyzes property cash flow information.
• Provides an assessment of loan condition and quality, assigns credit grades on existing credits and oversees loan documentation as outlined in the Bank’s lending policies.
• Responsible for the tracking, collecting and reporting of loans that are incomplete due to missing documentation.
• Maintains a good working knowledge of the Bank’s lending policies and procedures and identifies deviations from policy.
• Responsible for presentation of written and oral reports to management.
• Conducts in-depth review and analyzes balance sheet and profit and loss statements presented by applicants for large commercial loans.
• Assesses liquidity, quality of management, market position and overall business climate to estimate future profitability of business.
• Provides technical advice and assistance to Commercial Lending Officers as needed.

• 3 years commercial credit experience
• bachelor’s degree in finance/accounting or equivalent work experience
• Ability to analyze financial statements and effectively prepare written analysis
• Proficient with Microsoft word and excel
• Working knowledge of Loan Vantage and COCC Insight preferred

If interested, please reach out to