Commercial Credit Analyst

Job Description

We are currently recruiting for a Senior Credit Analyst / Underwriter with commercial real estate loan experience in Stamford, CT. This is a full-time in-person role Monday-Friday, in corporate headquarters. The Analyst is responsible for underwriting and monitoring commercial loan relationships, analyzing financial statements, preparing credit recommendations, and supporting the credit risk management process. 85K – 105K Base + Benefits Package

Responsibilities:

• Analyze and underwrite commercial real estate (CRE), commercial and industrial (C&I), and construction loans.
• Perform financial statement, cash flow, collateral, and risk analysis.
• Prepare detailed credit presentations and loan recommendations.
• Monitor loan portfolios, annual reviews, covenant compliance, and loan renewals.
• Partner with Loan Officers, Portfolio Managers, borrowers, and third-party vendors throughout the underwriting process.
• Assist with Board reporting, audits, regulatory reviews, and departmental reporting.
• Maintain credit files and borrower documentation.
• Identify and escalate potential credit concerns.
• Provide guidance and support to junior staff as needed.

Requirements:

• Bachelor's degree in Finance, Accounting, Economics, Business, or related field, or equivalent experience.
• 2-5 years of commercial credit analysis, underwriting, or credit administration experience.
• Experience with CRE, C&I, and construction lending.
• Strong financial analysis, cash flow, and credit underwriting skills.
• Knowledge of loan documentation, collateral analysis, and regulatory requirements.
• Experience reviewing commercial appraisals required.
• Strong communication, organizational, and problem-solving skills.
• Experience with Abrigo loan origination and credit administration systems preferred.
• Ability to independently underwrite moderate to complex commercial lending relationships.
• Experience with loan reviews, collections, workout situations, and portfolio management.
• Formal credit training a plus.

Local candidates only. Must be in a commutable range to Stamford, CT. Must be a US citizen or green card holder (permanent resident). 85K – 105K Base + Benefits Package