Senior Credit Analyst

Actual compensation for this role is commensurate with experience, skill set, and other qualifications.

East Cambridge Savings Bank’s Lending Division is actively recruiting for a Senior Credit Analyst.

Function:

Under the general direction of the Team Lead – Commercial Credit, perform a variety of administrative tasks in connection with credit analysis for the Lending Division.

We are looking for a candidate with:

• 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 LoanVantage and COCC Insight preferred
• Excellent verbal and written communication skills
• Strong interpersonal and organizational skills

Essential Job Functions:

• Researches and examines credit risks, assesses credit history, and makes a recommendation to approve or disapprove extension of credit.
• Responsible for conducting 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 East Cambridge Savings Bank lending policies.
• Responsible for the tracking, collecting and reporting of loans that are incomplete due to missing documentation.
• Maintains a good working knowledge of the Bank’s lending policies and procedures and identifies deviations from policy.
• Responsible for presentation of written and oral reports to management. Performs periodic review of various industries and analyzes the information to identify industry trends.
• Conducts in-depth review and analyzes balance sheet and profit and loss statements presented by applicants for large commercial loans.
• Assesses 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.

Supportive Functions:

• Performs related administrative work as required.
• Assists the VP/Commercial Credit Officer with special projects as needed.

Contact our Human Resources Division or visit www.ecsb.com/careers for more details and to apply.

Or submit your resume to:

Email: recruit@ecsb.com Fax: 617-252-6877 Phone: 617-354-7700

East Cambridge Savings Bank, Attn: Human Resources

344 Cambridge Street Cambridge, MA 02141

East Cambridge Savings Bank is an Equal Opportunity Employer/Disabled/Veterans