Commercial Credit Analyst II

North Easton Savings Bank

. Analyze credit information for granting credit to current and potential commercial borrowers across diversified loans .

Posted 11/6/2026full-timeSouth Easton • Massachusetts • United StatesJuniorMid-Level💰 $65,000 - $85,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in commercial credit analysis, including financial statement analysis, credit recommendations, and regulatory compliance. Proficient in utilizing financial spreading software and Microsoft Office applications to deliver high-quality reports and maintain customer service excellence.

Highest-signal resume keywords

Commercial Credit AnalysisFinancial Statement AnalysisRegulatory ComplianceMicrosoft Office ProficiencyCustomer Service Excellence

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial Spreading SoftwareQuantitative SkillsAnalytical SkillsAccounting PrinciplesFederal Tax ReportingComplex Document InterpretationProblem SolvingData CollectionReport Preparation

Soft Skills

Verbal CommunicationWritten CommunicationMulti-taskingTeam CollaborationProfessionalism

Tools & Technologies

Loan Origination PlatformBanking Core Data PlatformsMicrosoft WordMicrosoft ExcelMicrosoft PowerPoint

Certifications & Qualifications

Bachelor’s Degree in FinanceSAFE Act Registration

Industry Keywords

Commercial LendingCredit RecommendationsAsset QualityLoan ModificationsPortfolio Management

About the role

Key responsibilities & impact

Analyze credit information for granting credit to current and potential commercial borrowers across diversified loans
Spread and analyze financial statements and present credit recommendations verbally or in writing
Work directly with Commercial Lenders to prepare approval memos, renewal requests, and complex loan modifications with minimal oversight
Prepare annual reviews for complex commercial relationships to help protect commercial portfolio asset quality
Maintain tickler systems within the Loan Origination platform for accurate recordkeeping
Monitor requests for and receipt of borrowers’ financial statements
Order, receive, track, and review appraisals and environmental reports
Prepare standard reports consistently and as needed, and suggest report enhancements
Prepare quarterly credit history comments summarizing loans as needed
Provide high-level service and responsiveness to Bank customers
Perform duties in accordance with regulatory compliance guidelines, Bank policies, strategies, and procedures
Mentor and assist in training junior team members

Requirements

What you’ll need

Bachelor’s Degree in Finance/Accounting or related field required
Minimum two (2) years of direct commercial credit analysis experience coupled with formal credit training required
Proven experience successfully completing complex credit analysis without managerial guidance with an acceptable level of corrections
Proficient with Microsoft Office applications (Word, Excel, PowerPoint)
Experience with financial spreading software, commercial software applications and banking core data platforms required
Excellent verbal and written communication skills
Proficient in multi-tasking within a team-oriented environment with a strong focus on customer service while maintaining the ability to deliver finished products within a predetermined timeframe
Interacts effectively with customers and responds to sensitive inquiries or complaints with tact and professionalism
Outstanding quantitative and analytical skills, including ability to read, analyze, and interpret complex documents and calculate figures and amounts such as discount rates, interest rates, commissions, proportions, percentages, and ratios
Solid understanding of accounting principles and federal tax reporting
Ability to define problems, collect data, establish facts, think critically, solve problems, approach issues with an analytical mindset and draw valid conclusions
Ability to operate fingers and hands for typing, writing, and filing; move throughout the office; sit for extended periods; see and hear in an office setting; and transport up to 20 pounds
Applicants engaged in residential loan mortgage originations must register with the federal registry system and maintain good standing under SAFE Act requirements