East Cambridge Savings Bank’s Lending Division is
actively recruiting for a Senior Credit Analyst
(Hybrid).
Function:
Under the general direction of the Commercial Credit Manager, perform a
variety of administrative tasks in connection with credit analysis for the
Lending Division.
We are looking for a candidate with:
3 years commercial credit experience
Bachelor’s degree in Finance/Accounting or equivalent work
experience
Ability to analyze financial statements and effectively prepare
written analysis
Proficient with Microsoft word and excel
Working knowledge of Sageworks preferred
Excellent verbal and written communication skills
Strong interpersonal and organizational skills
EssentialJobFunctions:
Research
and examine credit risks, assess credit history, and make a recommendation
to approve or disapprove extension of credit.
Responsible
for conducting financial, strategic, and competitive analysis for both
Business and Commercial real estate customers.
Prepare
loan documents and comprehensive credit proposals for Board presentations;
assist Commercial Credit Manager with presentation materials and approval
process.
Develop
and analyze property cash flow information.
Provide
an assessment of loan condition and quality, assign credit grades on
existing credits and oversee loan documentation as outlined in East
Cambridge Savings Bank lending policies.
Responsible
for the tracking, collecting and reporting of loans that are incomplete
due to missing documentation.
Maintain
a good working knowledge of the Bank’s lending policies and procedures and
identify deviations from policy.
Responsible
for presentation of written and oral reports to the Commercial Credit
Manager. Perform periodic review of various industries and analyze the
information to identify industry trends.
Conduct
in-depth review and analyze balance sheet and profit and loss statements
presented by applicants for large commercial loans.
Assess
liquidity, quality of management, market position and overall business
climate to estimate future profitability of business.
Provide
technical advice and assistance to Commercial Lending Officers as needed.
Supportive Functions:
Perform related administrative work as
required.
Assist the Commercial Credit Manager with
special projects as needed.
Contact our Human Resources Division or visit www.ecsb.com/careers for more details and to apply.