Sr. Credit Analyst

Description We are looking for an experienced Sr. Credit Analyst to join a banking team in the Greater Boston area. This role focuses on evaluating commercial and consumer credit opportunities, assessing financial strength, and supporting sound lending decisions through thorough analysis and clear recommendations. The ideal candidate brings strong experience in underwriting, credit structuring, and portfolio support, along with the ability to partner effectively with lenders and deliver high-quality credit documentation.

Responsibilities:

• Evaluate borrower and guarantor financial information, including business and personal financial statements, tax returns, and supporting documents, to determine overall credit quality.
• Gather required loan data from lenders and clients, then translate findings into clear credit assessments that support new requests and ongoing relationship management.
• Develop written credit packages, financial models, narrative summaries, and risk commentary to assist lenders with informed credit decisions.
• Examine loan files for accuracy and completeness, confirming that documentation is in order and collateral records are properly maintained.
• Assess collateral position and repayment support to confirm alignment with internal lending standards and policy expectations.
• Partner with commercial lending teams to identify risk factors, recommend appropriate deal structures, and support both new originations and renewals.
• Prepare and update credit-related reports such as annual reviews, modification requests, loan presentations, and criticized asset commentary as needed.
• Maintain organized credit files and assist with servicing needs, borrower inquiries, and follow-up items related to existing and prospective loan relationships.
• Support underwriting and review activities for credit facilities across a range of exposure sizes while ensuring adherence to applicable banking regulations and internal procedures. Requirements
• At least 5 years of commercial credit analysis experience within a banking environment.
• Strong ability to interpret personal and business financial statements, tax returns, and related credit documentation.
• Knowledge of commercial lending practices, credit risk evaluation, and loan structuring for a variety of borrowing needs.
• Experience handling loan relationships with exposure levels ranging from approximately $500,000 to $35 million.
• Formal credit training, underwriting experience, and familiarity with Loan Vantage are preferred.

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