Job Description
Job Description
We are looking for an experienced Sr. Credit Analyst to join our team on the South Shore. In this role, you will evaluate commercial lending opportunities across business, commercial real estate, and construction portfolios while shaping well-supported recommendations for lending leaders. This position also offers the opportunity to work closely with relationship managers and credit partners, while providing guidance to less experienced analysts.
Responsibilities:
• Assess commercial, commercial real estate, and construction loan requests by reviewing financial performance, repayment capacity, collateral strength, and overall creditworthiness.
• Develop thorough credit presentations and written analyses that clearly outline risks, mitigants, and lending recommendations for senior decision-makers.
• Track portfolio performance by reviewing covenant compliance, past-due trends, policy exceptions, and emerging risk indicators across assigned relationships.
• Deliver informed recommendations to lending leadership to support sound credit decisions and balanced portfolio growth.
• Partner with commercial lenders and credit administration teams to gather information, clarify structure, and strengthen underwriting outcomes.
• Support entry-level analysts through coaching, review feedback, and day-to-day guidance on credit evaluation practices.
• Examine cash flow, borrower financial statements, and related documentation to identify repayment trends and potential exposure concerns.
Background:
• 3+ years of experience in credit analysis, commercial lending, or a closely related banking environment.
• Demonstrated ability to evaluate commercial, commercial real estate, and construction loan transactions.
• Experience analyzing cash flow, financial statements, collateral positions, and risk factors.
• Formally Credit trained is ideal