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Senior Credit Analyst

East Cambridge Savings Bank

Website

 

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

 

 

Function:

Under the general direction of the Team Lead – Commercial Credit, perform a variety of administrative tasks in connection with credit analysis for the Lending Division.

 

 

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 LoanVantage and COCC Insight preferred
  • Excellent verbal and written communication skills
  • Strong interpersonal and organizational skills

 

 

Essential Job Functions:

  • Researches and examines credit risks, assesses credit history, and makes a recommendation to approve or disapprove extension of credit.
  • Responsible for conducting financial, strategic and competitive analysis for both Business and Commercial real estate customers.
  • Prepares loan documents and comprehensive credit proposals for Board presentations; assists management with presentation materials and approval process.
  • Develops and analyzes property cash flow information.
  • Provides an assessment of loan condition and quality, assigns credit grades on existing credits and oversees loan documentation as outlined in East Cambridge Savings Bank lending policies.
  • Responsible for the tracking, collecting and reporting of loans that are incomplete due to missing documentation.
  • Maintains a good working knowledge of the Bank’s lending policies and procedures and identifies deviations from policy.
  • Responsible for presentation of written and oral reports to management. Performs periodic review of various industries and analyzes the information to identify industry trends.
  • Conducts in-depth review and analyzes balance sheet and profit and loss statements presented by applicants for large commercial loans.
  • Assesses liquidity, quality of management, market position and overall business climate to estimate future profitability of business.
  • Provides technical advice and assistance to Commercial Lending Officers as needed.

 

 

Supportive Functions:

  • Performs related administrative work as required.
  • Assists the VP/Commercial Credit Officer with special projects as needed.

 

 

 

Contact our Human Resources Division or visit https://www.ecsb.com/about-us/careers for more details and to apply.

 

Or submit your resume to:

Email: recruit@ecsb.com 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/Veterans/Disabled