Sr. Credit Analyst

Sr. Credit Analyst

We are looking for an experienced Sr. Credit Analyst to support lending decisions for a banking team in the Greater Boston area. This position centers on reviewing commercial and consumer credit requests, assessing financial performance, and delivering well-reasoned recommendations that help guide prudent risk decisions. The role also works closely with lending partners to structure transactions, maintain strong credit documentation, and support the ongoing management of borrower relationships.

• Analyze business and personal financial records, tax filings, and related documents to determine borrower and guarantor creditworthiness.

• Collect and organize loan information from internal lending partners and clients, then convert that data into clear and actionable credit evaluations.

• Prepare comprehensive credit presentations, written analyses, and financial models that support approval, renewal, and modification decisions.

• Review loan files to verify accuracy, confirm documentation is complete, and ensure collateral records are properly maintained.

• Evaluate repayment sources and collateral support to confirm each request aligns with bank policy and risk standards.

• Collaborate with commercial lenders to identify risk considerations, recommend effective deal structures, and support both new and existing credit relationships.

• Produce periodic credit reports, annual review materials, loan summaries, and commentary on higher-risk assets as needed.

• Maintain organized credit records while assisting with servicing follow-up, borrower requests, and ongoing portfolio administration.

• Support underwriting and credit review activity across a range of lending exposures while adhering to regulatory requirements and internal procedures.