Commercial Credit Analyst II

Compensation for this position is commensurate with experience. The posted range is intended to provide a general estimate and does not guarantee a specific rate of pay.

PRIMARY ACCOUNTABILITIES / RESPONSIBILITIES:

Performs any functions necessary, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers.

1. Prepares analysis on moderate to complex commercial credit requests. Spreads and makes interpretative analysis of financial statements and prepares memorandum for use in loan decisioning. Makes risk rating recommendations and prepares Risk Rating Cards.

1. Prepares Credit Review on existing relationships with the objective of maintaining a current, complete body of review of the commercial loan portfolio. Spreads and makes interpretative analysis of updated financial statements and other information received on existing relationships. Reports on overall credit quality and makes an updated assessment of financial condition. Makes updated risk rating recommendations.

1. Assists in spreading of financial statements and maintenance of financial statement tracking to ensure that database is current. May also assist in quality control audit of financial documents.

1. As needed, may prepare agenda and reports for Executive Loan Committee meetings and upload agenda and reports onto web portal for viewing by committee members and staff.

1. As needed, may prepare and distribute a variety of recurring reports for use in the monitoring and administration of the commercial loan portfolio.

1. May attend customer calls as appropriate, new money, larger, more complex relationships, new relationships, high credit risk relationships, etc.

1. Performs all duties in accordance with prescribed regulatory compliance guidelines.

1. Performs related and unrelated duties as may be required.

1. Protect the confidentiality of non-public customer information (NPCI) and the security of our information technology resources. Adhere to the Bank's Acceptable Use Policy, participate in security awareness training and successfully pass social engineering testing which are designed to provide the education necessary to enable employees to keep the bank secure. Employee awareness and vigilance are required in following these cyber security best practices and are the most effective weapon we have against cyber threats and fraud.

OTHER ACCOUNTABILITIES / RESPONSIBILITIES:

The Bank encourages participation in a community development service within the Bank's assessment area. Community development encompasses affordable housing and community services that target low to moderate income individuals and activities that revitalize or stabilize targeted low to moderate income neighborhoods. Community development services must be related to providing a financial service or use the financial expertise of the bank employee. Examples include:

• Offering accounting skills to a local charitable organization that serves low to moderate income individuals;
• Performing bookkeeping services for low to moderate income seniors;
• Teaching a financial literacy program for low to moderate income school children;
• Fundraising on behalf of a local or state agency that provides services and/or programs targeting low- or moderate-income individuals;
• Activities that revitalize or stabilize low- or moderate-income areas;
• Encourages CRA qualified volunteerism.

POSITION REQUIREMENTS:

• Bachelor's degree with specialization in accounting, finance, or business administration.
• Two to five years' experience in commercial credit analysis including operational experience with financial statement and economic analysis and credit administration.
• Strong analytical, communication, grammatical writing, and organizational skills with an attention to detail and an efficiency in handling multiple priorities.
• Advanced personal computer and MS Office knowledge with working knowledge of commercial loan origination, underwriting, documentation, and management software systems.
• Competency in written and spoken English language.
• Knowledge of banking rules and regulations and common compliance issues.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Any physical demands or work conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


An Affirmative Action/Equal Opportunity Employer of protected veterans and individuals with disabilities. Applicants for employment are considered without regard to race, creed, color, religion, sex, gender identity, sexual orientation, marital status, genetic information, national origin, age, disability, status as a veteran, Vietnam Era Veteran, or being a member of the Reserves or National Guard. Also, it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.