Senior Credit Analyst

Position Title: Senior Credit Analyst

Department: Commercial Lending

Grade: 13

Starting Hourly Rate: $27.46 – $31.20

Deadline to Apply: September 1, 2015

East Cambridge Savings Bank’s Commercial Lending Division is actively recruiting for a Full-Time Senior Credit Analyst.

We are looking for a candidate with:

• 3 years commercial credit experience
• Bachelor’s degree in Finance/Accounting or equivalent work experience
• Ability to analyze financial statements and effectively prepare written analysis
• Proficient with Microsoft Word and Excel
• Working knowledge of Sageworks preferred
• Excellent verbal and written communication skills
• Strong interpersonal and organizational skills

Essential Job Functions:

1. Research and examine credit risks, assess credit history, and make a recommendation to approve or disapprove extension of credit.
2. Responsible for conducting financial, strategic and competitive analysis for both Business and Commercial real estate customers.
3. Prepare loan documents and comprehensive credit proposals for Board presentations; assist Commercial Credit Manager with presentation materials and approval process.
4. Develop and analyze property cash flow information.
5. Provide an assessment of loan condition and quality, assign credit grades on existing credits and oversee loan documentation as outlined in East Cambridge Savings Bank lending policies.
6. Responsible for the tracking, collecting and reporting of loans that are incomplete due to missing documentation.
7. Maintain a good working knowledge of the Bank’s lending policies and procedures and identify deviations from policy.
8. Responsible for presentation of written and oral reports to the Commercial Credit Manager. Perform periodic review of various industries and analyze the information to identify industry trends.
9. Conduct in-depth review and analyze balance sheet and profit and loss statements presented by applicants for large commercial loans.
10. Assess liquidity, quality of management, market position and overall business climate to estimate future profitability of business.
11. Provide technical advice and assistance to Commercial Lending Officers as needed.

Contact Human Resources or visit https://www.ecsb.com/Career-Opportunities for more details.

Submit your resume to:
recruit@ecsb.com (preferred)
Fax: 617-252-6877
Phone: 617-354-7700

East Cambridge Savings Bank, Attn: Human Resources
344 Cambridge Street Cambridge, MA 02141

East Cambridge Savings Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.