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Credit Analyst - C&I Lending
Needham Bank
23d ago
Intermediate (4-7 years), Junior (1-3 years)
Full Time
Needham, MA
Office Full-Time
Company Size
200 Employees
Service Specialisms
Business Checking
Business Savings
Cash Management
Commercial Loans
Business Overdraft Protection
Business Credit Card
Business Online & Mobile Banking
Merchant Services
Sector Specialisms
Commercial Real Estate
Construction
Industrial Parks
Retail Space
Apartment Properties
Mixed Use Properties
Role
What you would be doing
risk rating
analytical support
financial analysis
document management
loan underwriting
meeting participation
- Assign risk ratings as appropriate and monitor covenant compliance
- Provide analytical support to Senior Credit Analyst and Account Officers as needed
- Perform annual reviews of existing relationships including spreading financial statements, analyzing corporate borrowers financial performance and condition, evaluating cash flow, collateral, guarantor support and other pertinent factors
- Collect and track receipt of financial statements, borrowing base certificates, and covenant compliance certificates from existing customers
- Produce modification requests for existing relationships
- Underwrite new loan requests including above referenced analysis as well as evaluation of proposed transaction
- Participate on Bank task forces and committees as assigned
- Engage in continuing education opportunities as they become available
- Attend and participate in meetings with customer and Account Officer as needed
- Prioritize work product in order to meet varying deadlines
- Prepare preliminary analysis, typically financial statement spreads and cash flow calculation, of prospective borrowers
- Represent the Bank at various community functions
What you bring
bachelor's degree
2+ years experience
spreading software
decision making
communication skills
microsoft office
- Knowledge of financial institution regulatory environment and policy
- At least 2 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million.
- Ability to work independently with some guidance from team members
- Excellent written and verbal English communication skills
- Experience with spreading software
- Bachelors degree in Accounting/Finance or related area
- Knowledge of commercial and industrial lending practices and related areas
- Be prepared to discuss proposals with approval authorities on a one-on-one basis as well as in a committee setting
- Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated
- Ability to adhere to Needham Banks Core Values (Quick-Decision-Making, Reliability, Relationship-Based Focus and Quality Service)
- Excellent knowledge of corporate and personal financial statements
- Aptitude in Microsoft Office Suite, especially Excel and Word
- SBA underwriting experience preferred.
- Excellent financial analytical skills with sound judgment and decision making abilities
- Normal business office environment
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Interview process
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Visa SponsorshipInformation not given or found
Security clearanceInformation not given or found
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Company
Overview
Since 1834
Year of founding
Established as one of the oldest financial institutions in New England.
- A trusted financial partner, offering a wide range of banking solutions including personal banking, business services, and loans.
- Focused on building lasting relationships with clients through dedicated customer support and tailored solutions.
- Known for its deep commitment to local businesses, supporting growth and financial stability across New England.
- Consistently demonstrates resilience, adapting to changing financial landscapes while maintaining strong community roots.
- Expanding its services to meet the evolving needs of both individuals and businesses.
- Specializes in residential and commercial real estate loans, helping customers navigate home buying and property investments.
- Plays a key role in supporting local entrepreneurs, offering business loans and financial services that promote growth and innovation.
- We are committed to providing exceptional service to our customers.
- We build long-term relationships based on trust, respect, and loyalty.
- We are a team-driven organization that values collaboration and communication.
- We embrace innovation and continuous improvement to better serve our customers.
- We support the communities in which we operate by engaging in local partnerships and activities.
- We foster a work environment that encourages professional growth, diversity of thought, and inclusivity.
2030 Target
Net Zero Emissions Goal
Aims to achieve net zero emissions by 2030.
- Committed to reducing environmental impact and promoting sustainability.
- Uses energy-efficient technologies in office spaces to minimize energy consumption.
- Promotes green initiatives by supporting environmentally responsible projects and partnerships.
- Focuses on sustainability through reducing paper usage, increasing recycling efforts, and energy conservation.
- Promotes a culture of inclusion and diversity throughout the organization.
- Has a gender-diverse workforce, with a commitment to ensuring equal opportunities for all employees.
- Focuses on increasing female representation in senior leadership roles.
- Aims to increase diversity in its workforce while ensuring fairness and equal opportunity.
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