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Mutual Bancorp

Credit Analyst I

Pay: Not specified

Posted: 7 weeks ago

Location: Leominster, MA (Onsite)

Last Updated: 1 day ago

Hours: Full-Time

Expires: 10/15/2026

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Based on Massachusetts data

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What they do

A Credit Analyst reviews credit history and researches other records to determine if loans should be approved or credit extended to individuals or businesses. Prepares reports for banks, credit agencies and credit card companies.

$86,016 / year median in Massachusetts

-23% projected decline

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Job Description

Salary Grade:

SUMMARY:

Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks.

ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIES

Credit Analysis Works collaboratively with the commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks; this process involves but is not limited to a thorough financial analysis, projecting cash flow and collateral evaluations Provides independent input in the process of risk rating commercial borrowers Responsible for annual review date tracking for commercial customers Distribute reviews to lenders and monitor follow up needed based on results of assessment of the third party loan review vendor Responsible for accurately completing credit analysis with basic levels of complexity Credit Administration Duties Assists in the compilation of various reports for Loan Committee and the weekly distribution of the Loan Committee packages as needed Other duties as assigned

QUALIFICATIONS

EDUCATION & CERTIFICATIONS:

(Minimum education required to perform the duties of this position) Bachelor degree required; major in accounting or finance preferable

KNOWLEDGE, SKILLS & ABILITIES

One to two years of banking or business experience preferred Understanding of all Microsoft Office applications Ability to handle multiple priorities and significant workload Ability and willingness to produce high quantity and high quality work

COMPETENCIES

Must have cyber security awareness to protect the digital environment, the Bank, and customers. Problem Solving Verbal and Written Communication Critical Thinking Skills Adaptability Eager Learner Learning Agility Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.