Senior Credit Analyst

About the role

Reading Cooperative Bank is seeking an experienced Senior Credit Analyst to join our collaborative and high-performing Credit Team. Reporting directly to the SVP, Chief Credit Officer, this role is a key contributor to the Bank's commercial lending success, providing independent credit analysis and underwriting support across a diverse portfolio of commercial real estate, construction, and commercial & industrial lending relationships.

Responsibilities

• Independently underwrite commercial real estate, construction, and commercial & industrial loan requests for both new and existing customers.
• Prepare clear, well-supported written credit presentations for approval and loan committee review.
• Analyze financial statements, tax returns, personal financial statements, rent rolls, leases, budgets, and market data.
• Develop cash flow analyses, evaluate collateral positions, review appraisals, and stress-test financial assumptions.
• Assess both quantitative and qualitative risk factors, including borrower performance, management strength, and industry conditions.
• Recommend risk ratings and identify appropriate loan structures, covenants, risk mitigants, and credit enhancements.
• Perform annual and interim reviews, modifications, covenant testing, and portfolio monitoring activities.
• Coordinate with third-party vendors on appraisals, environmental reports, inspections, and other due diligence requirements.
• Partner closely with lending officers to ensure efficient turnaround times and thoughtful credit decisions.

Qualifications

• Bachelor's Degree in Accounting, Finance, or related field.
• Minimum 2 years of credit analysis experience working with various loan types (CRE, C&I, Construction) for relationships up to and exceeding 10+ million in exposure.
• Equivalent combination of education and experience accepted.

Benefits

• Choice of medical plans with HRA or HSA options
• Dental and vision coverage
• Flexible spending accounts (FSA)
• Disability insurance
• 401(k) retirement plan
• Employee Assistance Program (EAP)
• Generous paid time off
• Interest-free emergency loan program (up to $2,000, subject to program guidelines)
• Tuition assistance (available to full-time and part-time employees)

Pay

Salary Range: $95,221.00 to $105,000.00 annually. The pay range indicated is the lowest to highest compensation we reasonably in good faith believe we would pay at posting for this role. We may ultimately pay more or less than this range. Employee pay is based on factors like relevant education, qualifications, certifications, experience, skills, seniority, location, and performance. This range may be modified in the future.