Senior Credit Analyst

Responsible for analyzing and monitoring the credit worthiness of the Bank's customers. Analyze financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank. Recommend credit facilities and structures within the established bank guidelines.

• Request and obtain financials and information from commercial lender or borrower to analyze credit information, financial statements and other related information pertaining to the loan relationship
• Research background documentation and review personal and business financial statements and tax returns. Analyze financial information and prepare the preliminary analysis for the lender
• Review and prepare written analysis, spreadsheets, reports, summaries and opinions
• Review loan files to ensure the completeness of the file and that all collateral has been secured properly
• Review and assess collateral values ensuring adequate collateral coverage and compliance with the Bank's loan policy
• Support the commercial lending functions in managing existing loan relationships and pursuing new loan opportunities primarily by analyzing financial information and identifying credit risks. Provide recommendations for loan structuring
• Prepare or assist in the preparation of various written loan reports including loan presentations, modifications, annual reviews, credit file comments and classified asset reports as needed in accordance with the Bank's loan policy and procedures
• Prepare, monitor and maintain credit files for the Bank's commercial loan customers
• Assist commercial loan officers in addressing customer inquiries and servicing requests
• Assist the commercial lenders by interacting with select existing and new customers of the commercial lending team with new loan requests and maintenance of existing customers. This could include underwriting as well as annual reviews related to renewing credit facilities
• Perform additional duties as requested, needed or assigned
• Follow all applicable laws and regulations

• Extensive knowledge of financial institution policies and procedures
• Extensive knowledge of commercial lending practices and related areas
• Strong knowledge of department support structures, resources and personnel
• Excellent financial analytical skills with sound judgment and decision making abilities
• Strong time management skills
• Excellent project management skills
• Excellent knowledge of personal/business financial statements and tax returns
• Strong working knowledge of Microsoft office applications
• Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable, and highly self-motivated
• Superior customer service skills, exceed customers' expectations
• Excellent written and verbal English communication skills
• Ability to adhere to Needham Bank's Core Values (Focus on Customer Relationship, Embrace Change, Work as a Team, Be an Asset to Your Community, Always Learn, and Do the Right Thing)

• Bachelor's degree in Accounting/Finance or related area.
• At least 5 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million.
• Formal Credit Training preferred.
• SBA underwriting experience preferred.
• Experience with Loan Vantage preferred.

• Normal business office environment

Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term…