Senior Credit Analyst
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Hourly Salary:
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Job Summary
East Cambridge Savings Banks 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
- Bachelors 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
EssentialJobFunctions:
- 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 managementwith 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 Banks 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 for more details and to apply.
Or submit your resume to:
Email: Fax: Phone:
East Cambridge Savings Bank Attn: Human Resources
344 Cambridge Street Cambridge MA 02141
East Cambridge Savings Bank is an Equal Opportunity Employer/Disabled/Veterans
Required Experience:
Senior IC
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
At East Cambridge, you’ll enjoy the best of both worlds: big bank conveniences and community bank values.
