Senior Commercial Credit Analyst III

Main Street Bank

. Perform independent analysis for new commercial loan requests, primarily large and complex relationships .

Posted 9/29/2026full-timeMarlborough • Massachusetts • United StatesSenior💰 $95,500 - $112,500 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in commercial loan underwriting, financial analysis, and risk assessment while maintaining compliance with banking regulations. Proficient in developing analytical tools and mentoring junior staff to enhance departmental performance.

Highest-signal resume keywords

Commercial Loan UnderwritingFinancial AnalysisRisk AssessmentKnowledge of Banking RegulationsProject Management Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement AnalysisTax Return AnalysisLoan Origination SystemsStatement-Spreading SoftwareMicrosoft 365 Office SuiteCommercial Credit StandardsCredit Risk IdentificationStress TestingQuality UnderwritingData Analysis

Soft Skills

Critical ThinkingProblem-SolvingAttention to DetailOrganizational SkillsCustomer Service Skills

Tools & Technologies

Abrigo/SageworksSalesforce CRMCommercial Loan Origination SystemsVideo Conferencing ToolsOffice Equipment

Industry Keywords

Commercial LendingBank Secrecy Act ComplianceFinancial Institution PoliciesRegulatory AuditsLoan Portfolio Management

About the role

Key responsibilities & impact

Perform independent analysis for new commercial loan requests, primarily large and complex relationships
Independently review existing commercial lending relationships
Identify and summarize risks, strengths, weaknesses, recommended risk ratings, alternative structures, and policy deviations
Meet independently with commercial loan officers to discuss issues and ask questions
Mentor and support lower-level analysts
Assist management with oversight of the commercial and/or entire loan portfolio
Work on projects affecting the Commercial Credit department and the bank
Develop, maintain, and prepare tools and reports for applications, underwriting, relationship reviews, ALLL, and other workflows
Perform quality underwriting in accordance with commercial lending regulations, policies, and procedures
Prepare and review in-depth written analyses, spreadsheets, reports, summaries, and opinions
Review financial and other documents and conduct research
Perform financial analyses and projections, including what-if scenarios and stress testing
Develop tools and techniques for complex or unique credit relationships
Discuss and influence lenders regarding covenants, conditions, alternative structures, modifications, assessments, action plans, and turnaround requirements
Participate in customer meetings when appropriate
Serve as a resource on commercial lending policies, underwriting, and approval requirements
Share analytical knowledge and techniques; train and guide analytical staff
Request borrower documentation and coordinate services needed for commercial lending
Assist with oversight, coordination, and support of department members’ work
Review existing loan files for completeness and accurate, timely updates
Support management and oversight of the bank’s loan portfolio
Maintain knowledge of bank loan products, procedures, and regulatory changes
Assist internal, external, and regulatory auditors with requested materials
Manage work independently, identify obstacles, meet deadlines, and create action plans
Maintain relationships with department and organizational leaders
Protect sensitive and confidential information and comply with bank policies
Maintain regular attendance and complete required training
Interact independently with internal and external customers
Provide Commercial Credit subject-matter information and guidance within the organization

Requirements

What you’ll need

Bachelor’s degree in Business Administration, Accounting, or Finance; equivalent work experience accepted
MBA preferred
Typically 5–7 years’ experience independently underwriting complex commercial loan requests
Solid background in financial institution operating policies and procedures
Knowledge of state and federal banking regulations
Experience with Abrigo/Sageworks or similar statement-spreading software preferred
Experience with loan origination system software preferred
Basic familiarity with Salesforce CRM or related CRM platforms preferred
Strong financial analytical skills and sound judgment
Excellent knowledge of personal/business financial statements and tax returns
Knowledge of commercial loan structure and commercial credit standards
Project management skills
Proficiency in Microsoft 365 Office Suite and the Internet
Commercial Loan Origination Systems administration experience a plus
Understanding and application of office administration activities and procedures
Ability to operate standard office equipment
Smartphone required for MFA access to MSB systems
Dedicated, distraction-free workspace with adequate lighting for video calls
Reliable internet connection with adequate bandwidth for Teams and other video calls
Ability to identify and quantify business risks and key drivers of credit risk
Strong critical thinking, problem-solving, attention to detail, organizational, communication, and customer service skills
Ability to work independently, manage deadlines, prioritize competing tasks, and handle confidential information
English communication ability; Main Street Bank’s standard language is English
Ability to comply with Bank Secrecy Act regulations, bank policies, operational risk controls, and required training
Must be able to occasionally lift/move up to 10 pounds
Ability to remain stationary for more than 75% of the time
Ability to operate a computer for extended periods
Occasional local travel and ability to work alternative schedules, including possible early morning, evening, or weekend hours
Background and credit review required as a condition of any employment offer

Benefits

Comp & perks

Hybrid work arrangement after successful completion of training and proven abilities
Opportunity for mentoring and professional development through training and guidance
Participation in community events
Equal employment opportunity protections
At-will employment