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We are looking for an experienced Sr. Credit Analyst to join a banking team in Portsmouth, Massachusetts. This position plays a key role in evaluating the financial strength of commercial borrowers, identifying credit risk, and supporting sound lending decisions. The ideal candidate brings strong analytical judgment, a solid understanding of commercial credit structures, and the ability to prepare clear, well-supported recommendations for new and existing loan relationships.
Job Responsibility:
Gather financial records and supporting documentation from lenders or borrowers to assess the strength and risk profile of commercial credit relationships
Examine business and personal financial statements, tax returns, and related background materials to develop thorough underwriting assessments
Create clear written credit analyses, financial models, summaries, and recommendations to support lending decisions
Verify that loan documentation is complete and confirm that collateral has been properly documented and secured
Evaluate collateral positions to ensure sufficient coverage and alignment with bank lending policy and underwriting standards
Partner with commercial lending staff to review existing relationships, support new opportunities, and recommend appropriate credit structures
Prepare and update loan presentations, annual reviews, modification requests, credit file notes, and other required portfolio reports
Maintain accurate and organized credit files for commercial borrowers while assisting with customer service and loan servicing needs
Support commercial lenders with underwriting, renewal reviews, and selected client interactions related to new requests and ongoing account maintenance
Perform assigned duties in accordance with applicable banking regulations, internal policies, and compliance requirements
Requirements:
At least 5 years of commercial credit analysis experience, including Commercial and Industrial lending exposure across moderate to large loan sizes
Strong knowledge of commercial lending practices, credit administration, and financial institution policies and procedures
Demonstrated skill in credit underwriting, loan structuring, and identifying risk within commercial loan portfolios