Commercial Credit Analyst II

River Run is a shared services organization that supports banking affiliates Newburyport Bank and Pentucket Bank. Together we shape the evolution of community banking through innovation and strong partnerships while preserving the personalized service our customers value. Here you will discover opportunities for professional growth make a meaningful impact in your local community and join a team that champions integrity collaboration and continuous progress. This is community banking evolved.

The Commercial Credit Analyst II identifies monitors and describes credit risk in a commercial banking environment. Performs financial spreading and analysis credit underwriting evaluation of commercial borrowers covenant testing and performs occasional special projects.

Essential Job Functions

• Analyze financial statements evaluate personal and commercial creditworthiness and prepare comprehensive credit approval packages for new loan requests.
• Independently underwrite new financing requests complete annual commercial loan reviews and maintain responsibility for assigned borrower relationships.
• Identify assess and document financial operational industry economic and management risks that may impact a borrowers ability to meet obligations recommending appropriate risk ratings and action plans when needed.
• Collect analyze and interpret financial and supporting documentation obtaining additional information as necessary to ensure timely and accurate credit decisions.
• Maintain commercial credit files and portfolio quality while supporting Commercial Lending with quarterly reviews preliminary memos construction site inspections customer visits meetings and loan structuring.
• Assist junior analysts and interns by answering questions modeling best practices and providing guidance on credit analysis and documentation.
• Ensure compliance with Bank credit policies lending procedures federal and state regulations and the Bank Secrecy Act (BSA) documenting exceptions and verifying transactions and account balances as applicable.
• Provide administrative support to the Credit Administration team and Commercial Lending Officers while remaining current on Bank products services policies procedures and regulatory requirements through ongoing training.

Qualifications Education and Experience

• Bachelors degree in Business or a related field.
• 23 years of banking or financial services experience.
• Strong knowledge of accounting finance and commercial lending principles.
• Ability to perform financial statement analysis interpret appraisal and market data and evaluate commercial credit risk.
• Strong analytical decision-making organizational and time management skills with excellent attention to detail.
• Proficiency in Microsoft Office and other standard business applications.
• Self-motivated with the ability to manage multiple priorities and meet deadlines.
• Ability to learn and apply knowledge of the Banks products and services particularly commercial and loan products.
• Strong written and verbal communication skills with the ability to clearly document financial analyses and credit recommendations.

River Run Services LLC is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race color ancestry national origin gender sexual orientation marital status religion age disability gender identity results of genetic testing or service in the military.

If you are an individual with a disability and require a reasonable accommodation to complete the application process you may contact Human Resources at or call .

The salary range represents an estimate based on market data for this position. Final compensation decisions are made based on experience skills and internal equity to ensure fairness and consistency across our organization.

Salary Description