Jobs · Finance · Massachusetts

Credit Analyst- Commercial

KBW Financial Staffing & Recruiting · Cambridge, MA · 4 mo ago
FinanceFull-time

Responsibilities

  • Researches and examines credit risks, assesses credit history, and makes a recommendation to approve or disapprove extension of credit.
  • Conducts financial, strategic and competitive analysis for both Business and Commercial real estate customers.
  • Prepares loan documents and comprehensive credit proposals for Board presentations; assists management with presentation materials and approval process.
  • Develops and analyzes property cash flow information.
  • Provides an assessment of loan condition and quality, assigns credit grades on existing credits and oversees loan documentation as outlined in the Bank’s lending policies.
  • Maintains a good working knowledge of the Bank’s lending policies and procedures and identifies deviations from policy.
  • Responsible for the tracking, collecting and reporting of loans that are incomplete due to missing documentation.
  • Conducts in-depth review and analyzes balance sheet and profit and loss statements presented by applicants for large commercial loans.
  • Affords liquidity, quality of management, market position and overall business climate to estimate future profitability of business.
  • Provides technical advice and assistance to Commercial Lending Officers as needed.

Qualifications

  • 3 years commercial credit experience
  • Bachelor’s degree in finance/accounting or equivalent work experience
  • Ability to analyze financial statements and effectively prepare written analysis
  • Proficient with Microsoft word and excel
  • Working knowledge of Loan Vantage and COCC Insight preferred

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