Find & Apply For Financial Analyst Jobs in Greenfield, Massachusetts

Pay is based on related experience, expertise, market data, and internal equity; generally, new hires can expect pay between the minimum and midpoint of the range.

Location:

Onsite for 3-6 months to start, then hybrid The Commercial Credit Analyst will primarily prepare written analyses of commercial loan requests and completion of annual reviews. The analyst will take direction primarily from the Commercial Credit Officer in working with all of the members of the commercial lending team on a daily basis. This person should have excellent communication skills, both written and oral, and be able to handle multiple tasks and special projects in commercial credit as required. This person will also be responsible for assisting in all administrative functions of the department.

KEY AREAS OF RESPONSIBILITY

Assist Commercial Credit Department in preparing analyses of commercial loan requests Assist in completion of annual reviews

SPECIFIC POSITION FUNCTIONS

(DUTIES): Spreading financial statements, analyzing cash flow, reviewing ratios and include results in loan proposals utilizing nCino platform Analyze financial statements, provide income statement/balance sheet analysis, explain impact of balance sheet changes/trends, discuss margins/trends in income statement Determining GSB exposure and assembling relationship data on existing loans/deposits, borrower background, industry data, identify risks Assist in preparing loan proposals/ reviews in coordination with Credit Administration Manager Prepare annual loan reviews of commercial relationships as required by policy Evaluating financial stability and debt service capacity, management strength, collateral coverage, loan structure, risk assessment, economic environment and industry concerns and possible effects on the commercial relationship Run credit bureau reports on borrowers & guarantors in GSB commercial relationships Assist in determining collateral position of borrower utilizing appraisals and financial statements as part of analysis Tracking receipt of financial statements on most borrowers/guarantors Complete credit inquiries and accountant confirmation requests on commercial customers Assist in ordering commercial appraisals as needed and completing appraisal reviews Assist in preparation for external and internal audits and loan review

REQUIREMENTS/SKILLS

Must have a minimum of 1 year experience in commercial loan underwriting/analysis Good understanding of accounting principles and financial statements, with strong analytical skills and a focus on accuracy and detail Must be coachable but have ability to work independently Excellent written and oral communication skills Ability to prioritize workflow, solve problems, think creatively to understand complex credit relationships Should have good time management and project management skills Excellent skills with various software, FISERV Cleartouch, WORD/EXCEL applications Greenfield Savings Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, gender identity and/or expression, national origin, disability status, protected veteran status, age, marital status, or any other protected class. PI286615619