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Commercial Credit Analyst

Job

Essex Bank

Essex, CT (In Person)

$97,500 Salary, Full-Time

Posted 4 weeks ago (Updated 2 weeks ago) • Actively hiring

Expires 6/19/2026

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Job Description

Under the supervision of the VP - Senior Credit Officer, the Commercial Credit Analyst underwrites and reviews commercial lending relationships. This role ensures all loans align with established Policy, maintains portfolio reporting while developing tools to streamline origination and manage risk. Qualified individuals must also be able to manage multiple tasks such as:
  • Collaborate with Loan Officers to organize and track financial documentation throughout the underwriting process.
  • Maintain quality credit files to ensure seamless audits and third-party regulatory reviews.
  • Evaluate the financial condition of complex commercial entities, focusing on debt service, collateral support, and risk assessment for both Commercial & Industrial and Commercial Real Estate Loans.
  • Validate that all loan requests align with established Lending Policy, documenting specific risks and recommending appropriate risk ratings.
  • Interface directly with borrowers and accountants to clarify financial data and support underwriting requirements.
  • Execute annual reviews for existing commercial borrowing relationships in accordance with loan policy parameters.
  • Manage portfolio data for monthly and quarterly reporting and assist with external loan review processes.
  • Mentor junior analysts by providing guidance and technical assistance.
  • Optimize underwriting workflows by identifying efficiencies and developing tools to enhance portfolio management.
Qualifications Education/Experience:
College degree preferred and at least two years of related bank experience and/or training; or equivalent combination of education and experience. Sound knowledge of Word, Excel, loan software, and data center software required to perform this job successfully. Experience with LoanVantage desired. Knowledge of tax return and financial statement analysis with appropriate credit skills. $85,000 - 110,000 annual salary We offer competitive pay, benefits and an excellent working environment. Submit resumes and salary history to Essex Bank Human Resources PO Box 950 Essex
CT 06426. DISCLAIMER
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Essex Bank Human Resources, P.O. Box 950, Essex
CT 06426.
Job Type:
Full-time Pay:
$85,000.00 - $110,000.00 per year
Benefits:
401(k) 401(k) 3% Match Dental insurance Flexible spending account Health insurance Health savings account Life insurance Paid time off Vision insurance
Work Location:
In person