Senior Commercial Credit Analyst

North Easton Savings Bank

. Spread and analyze financial statements and present credit recommendations verbally and in writing .

Posted 11/6/2026full-timeSouth Easton • Massachusetts • United StatesSenior💰 $80,000 - $108,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial statement analysis, credit recommendations, and complex credit analysis while ensuring compliance with regulatory guidelines. Proficient in mentoring junior team members and delivering high-quality customer service in a team-oriented environment.

Highest-signal resume keywords

Financial Statement AnalysisComplex Credit AnalysisMicrosoft Office ProficiencyCredit TrainingRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial Spreading SoftwareQuantitative SkillsAnalytical SkillsAccounting PrinciplesFederal Tax ReportingProblem SolvingData CollectionDocument InterpretationTime Management

Soft Skills

Verbal CommunicationWritten CommunicationCustomer ServiceTeam CollaborationCritical Thinking

Tools & Technologies

Loan Origination PlatformCommercial Software ApplicationsBanking Core Data Platforms

Industry Keywords

Commercial LendingCredit RecommendationsPortfolio Asset QualityRegulatory Compliance GuidelinesApproval Memos

About the role

Key responsibilities & impact

Spread and analyze financial statements and present credit recommendations verbally and in writing
Work directly with Commercial Lenders to prepare approval memos, renewal requests, and loan modifications of the highest complexity with little to no oversight
Assist in protecting commercial portfolio asset quality by preparing annual reviews on the highest-complexity commercial relationships
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
Suggest report enhancements
Prepare credit history comments summarizing loans quarterly as needed
Provide the highest level of service and responsiveness to Bank customers
Perform duties according to regulatory compliance guidelines, Bank policies, strategies, and procedures
Mentor and train junior team members

Requirements

What you’ll need

Bachelor’s Degree in Finance/Accounting or related field required
Minimum three (3) to five (5) years of direct commercial credit analysis experience coupled with formal credit training required
Proven experience successfully completing the most complex credit analysis without managerial guidance and little to no corrections
Proficient with Microsoft Office applications (Word, Excel, PowerPoint)
Proficient 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
Ability to deliver finished products within a predetermined timeframe
Ability to interact effectively with customers and respond to sensitive inquiries or complaints with tact and professionalism
Outstanding quantitative and analytical skills, including reading, analyzing, and interpreting complex documents and calculating 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
Ability to move throughout the office with ease and sit for extended periods
Ability to see and hear in an office setting
Ability to transport up to 20 pounds
This position is not subject to SAFE Act Registration Requirements

Benefits

Comp & perks

Equal opportunity workplace
Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions