Senior Commercial Credit Analyst Position Available In Hillsborough, New Hampshire

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Senior Commercial Credit Analyst
20-May-2025 to Until Filled (EST)
Commercial Lending
Manchester, NH, USA
85553-100651 per year
Salary
Full Time
Medical, Dental, Vision, 401k, Paid Time Off, Paid Holidays and more

WHAT’S NOT TO LOVE ABOUT WORKING AT ST. MARY’S BANK?

At St. Mary’s Bank, we take pride in our heritage as New Hampshire’s- and the Nation’s- first credit union. For over a century we’ve been committed to the credit union philosophy of “people helping people.”
St. Mary’s is a cooperative financial institution, which means that our success, depends on the success of our members. As a solid, stable financial institution with over a century of success, we have created a work environment that rewards dedicated employees with benefits to help them achieve their personal and professional best.

THE BEST JOBS ENRICH YOUR LIFE WITH MUCH MORE THAN JUST MONEY

St. Mary’s Bank offers its employees highly competitive compensation packages. But that’s just the beginning of what makes working on our team so rewarding. At St.

Mary’s:

You have the opportunity to do what you do best everyday
Your opinions count
Your fellow employees are committed to quality
Your job is important
You are directly connected to the company’s mission
You will have opportunities to learn and grow
You have an opportunity- and a duty- to serve your community through volunteerism
While working as a Senior Commercial Credit Analyst you will be responsible for analyzing financial data and making recommendations to determine credit quality of existing and prospective business members. The analyst proactively works with Commercial Relationship Managers to manage member business loan portfolios for timely reviews, renewals, and compliance with Borrowing Base Certificates, financial document reporting and loan covenant requirements.
Key Responsibilities
Serves as underwriter for new loan originations, renewals and reviews by assessing the creditworthiness of business members by reviewing financial statements, credit reports, and other relevant data.
Assists the Commercial Relationship Managers with portfolio management, including covenant tracking and financial reporting.
Monitor and timely review of existing members credit profiles to identify any changes in risk.
Recommends change in risk rating assessments.
Upload credit files in SMB’s electronic document storage software.
Maintain accurate records of credit analysis and business member interactions.
Recommend credit limits and terms for new and existing clients based on analysis.
Stay updated on industry trends, economic conditions, and regulatory changes that may impact credit risk.
Represent the credit union at community events and volunteer opportunities.
Serves as a mentor to the Commercial Credit Analyst.
Core Skill Competencies

Communication Skills:

Strong verbal and written communication skills to present findings and recommendations clearly.

Analytical Skills:

Ability to analyze complex financial data and identify trends and risks.
Attention to

Detail:

Ensure accuracy in financial analysis and reporting.

Decision-Making:

Capability to make informed decisions based on thorough analysis.

Problem-Solving:

Ability to identify issues and develop effective solutions.

Time Management:

Efficiently manage multiple tasks and meet deadlines.

Technical Proficiency:

Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook) and in financial analysis software and tools. Loan Vantage is a plus.
Qualifications
Bachelor’s degree in finance, accounting, economics, or a related field.
Seven years of experience in commercial lending financial analysis, corporate and personal financial statements to determine credit quality.
Strong understanding of financial statements, credit reports, and industry-specific metrics.
Knowledge of Federal, NCUA and State of NH banking regulations.
Understanding of credit enhancements programs (i.e. SBA, NHBFA and CDFI).
Certification as a Credit Analyst (CCA) or related certification is a plus.