Senior Credit Analyst - C&I Lending

Needham Bank • Amesbury, MA • 3h ago

Job Descriptions:

Responsible for analyzing and monitoring the credit worthiness of the Bank's customers. Analyze financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank. Recommend credit facilities and structures within the established bank guidelines.

ESSENTIAL DUTIES & RESPONSIBILITIES

Request and obtain financials and information from commercial lender or borrower to analyze credit information, financial statements and other related information pertaining to the loan relationship

Research background documentation and review personal and business financial statements and tax returns. Analyze financial information and prepare the preliminary analysis for the lender

Review and prepare written analysis, spreadsheets, reports, summaries and opinions

Review loan files to ensure the completeness of the file and that all collateral has been secured properly

Review and assess collateral values ensuring adequate collateral coverage and compliance with the Bank's loan policy

Support the commercial lending functions in managing existing loan relationships and pursuing new loan opportunities primarily by analyzing financial information and identifying credit risks. Provide recommendations for loan structuring

Prepare or assist in the preparation of various written loan reports including loan presentations, modifications, annual reviews, credit file comments and classified asset reports as needed in accordance with the Bank's loan policy and procedures

Prepare, monitor and maintain credit files for the Bank's commercial loan customers

Assist commercial loan officers in addressing customer inquiries and servicing requests

Assist the commercial lenders by interacting with select existing and new customers of the commercial lending team with new loan requests and maintenance of existing customers. This could include underwriting as well as annual reviews related to renewing credit facilities

Perform additional duties as requested, needed or assigned

Follow all applicable laws and regulations

Required Experience:

JOB REQUIREMENTS

Extensive knowledge of financial institution policies and procedures

Extensive knowledge of commercial lending practices and related areas

Strong knowledge of department support structures, resources and personnel

Excellent financial analytical skills with sound judgment and decision making abilities

Strong time management skills

Excellent project management skills

Excellent knowledge of personal/business financial statements and tax returns

Strong working knowledge of Microsoft office applications

Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable, and highly self-motivated

Superior customer service skills, exceed customers' expectations

Excellent written and verbal English communication skills

Ability to adhere to Needham Bank's Core Values (Focus on Customer Relationship, Embrace Change, Work as a Team, Be an Asset to Your Community, Always Learn, and Do the Right Thing)

EDUCATION & EXPERIENCE

Bachelor's degree in Accounting/Finance or related area.

At least 5 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million.

Formal Credit Training preferred.

SBA underwriting experience preferred.

Experience with Loan Vantage preferred.

WORKING CONDITIONS/PHYSICAL DEMANDS

Normal business office environment

PAY RANGE: $75,247.15 - $105,346.01/year

The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply.

Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well.

At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn't align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles.

Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.

Keyword: Credit Analyst

From: Needham Bank

Similar Jobs

Finance Business Manager (M4) ONSITE

RTX Corporation • Andover, MA • 19h ago

Finance, Accounting & Banking

Date Posted: 2026-02-12 Country: United States of America Location: US-MA-ANDOVER-AN0 ~ 366 Lowell St ~ BLDG AN0 Position Role Type: Onsite U.S. Citizen, U.S. Person, or Immigration Status Requirements: U.S. citizenship...

19h ago

Go to Apply

2026 Summer Intern - Corporate Tax

Charles River Laboratories • Wilmington, MA • 1d ago

Finance, Accounting & Banking

For 75 years, Charles River employees have worked together to assist in the discovery, development and safe manufacture of new drug therapies. When you join our family, you will have a significant impact on the health an...

1d ago

Go to Apply

Senior Manager, Global Operations Finance

MKS Instruments Inc • Andover, MA • 3d ago

Finance, Accounting & Banking

A Day in Your Life at MKS: As a Senior Manager of Global Operations Finance, you will partner with operations and finance teams to deliver actional financial insights, and drive margin improvement and operational perform...

3d ago

Go to Apply

Personal Banker

Needham Bank • Newburyport, MA • 3d ago

Finance, Accounting & Banking

Job Descriptions: Job Summary: Proficiently perform teller function processing transactions with accuracy and balance according to the Bank's standards, procedures and policies. Broaden customer relationships by providin...

3d ago

Go to Apply

Teller - Part Time 21 Hours(Highland Ave)

Eastern Bank • Salem, MA • 4d ago

Finance, Accounting & Banking

Starting Rate: $20.00 Actual pay may vary based on experience, skills, and market factors; additional compensation may apply. Eastern offers a robust benefits and retirement package. Please see the description of benefit...

4d ago

Go to Apply

Citizens Banker

Citizens • Salem, NH • 4d ago

Finance, Accounting & Banking Sponsored

Starting Salary: $24.50 / hour and up Citizens Bankers are the face of the branch. They devote their time getting to know their customers and building lasting relationships by providing trusted advice. What you'll do Are...

4d ago

Go to Apply

Online Banker

Citizens • Salem, NH • 4d ago

Finance, Accounting & Banking Sponsored

4d ago

Go to Apply

Accounting Assistant

Robert Half • Rowley, MA • 4d ago

Finance, Accounting & Banking

Description We are looking for an organized and detail-oriented Accounting Assistant to join our team in Rowley, Massachusetts. In this Contract to permanent position, you will play a key part in managing essential finan...

4d ago

Go to Apply

Commercial Credit Mgr - C&I

TD Bank • Portsmouth, NH • 5d ago

Finance, Accounting & Banking

Work Location: Portland, Maine, United States of America Hours: 40 Pay Details: $115,440 - $186,160 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities a...

5d ago

Go to Apply

Blood Bank Supervisor

Beth Israel Lahey Health • Exeter, NH • 1w ago

Finance, Accounting & Banking

Blood Bank Supervisor Full Time Exeter, NH 03833 ( https://maps.google.com/maps?q=Exeter%2C%20NH%20%2003833&zoom=14&size=512x512&map@type=roadmap&sensor=false ) Posted 1 day ago Exeter Hospital Req#15104...

1w ago

Go to Apply

Subscribe to get new jobs sent directly to you
(no charge, cancel anytime)

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Similar Jobs

Finance Business Manager (M4) *ONSITE*

2026 Summer Intern - Corporate Tax

Senior Manager, Global Operations Finance

Personal Banker

Teller - Part Time 21 Hours(Highland Ave)

Citizens Banker

Online Banker

Accounting Assistant

Commercial Credit Mgr - C&I

Blood Bank Supervisor

Finance Business Manager (M4) ONSITE