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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.
Job Responsibility:
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
Requirements:
At least 3 years of commercial credit analysis experience within a banking environment
Demonstrated ability to interpret business and personal financial statements, tax returns, and supporting credit documents
Solid understanding of commercial lending practices, credit risk assessment, and loan structuring principles
Experience preparing written underwriting analyses and credit recommendations for lending decisions
Formal credit training and prior underwriting experience are preferred
Familiarity with Loan Vantage and COCC is a plus
Nice to have:
Formal credit training and prior underwriting experience