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  • Brockton, MA

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Commercial Credit Analyst 2

HarborOne Bank • Brockton, MA

Posted 1 month ago

Job Snapshot

Full-Time
Experience - 7 years
Degree - Graduate Degree
Banking - Financial Services
Banking, Admin - Clerical, Accounting

Job Description

Overview 

This position is responsible for the evaluation of commercial credit risk and deal structure for commercial & industrial and commercial real estate customers.   Prepare a thorough analysis of all aspects of the credit, including the preparation of financial/industry projections in conformance with established Credit Union policies, strategies and procedures for new loan requests, renewals and annual reviews.  Review standard loan documentation for conformance with approval terms.

Responsibilities 

Prepare Credit Approval Memoranda for presentation to Loan Approval Hierarchy.

Prepare spread sheets and credit analyses to properly assess cash flow, capacity, collateral and all major risks associated with the Credit Union lending to these businesses.

Conduct periodic portfolio reviews, and credit & legal file audits.

Assist loan officer with loan closing process

Manage credit renewals and maturities via portfolio monitoring.

Interact with lending officers to obtain appropriate information to complete a credit analysis.

Occasionally attend joint calls with the commercial loan officer to gather more information about the business.

Maintain tickler for borrower covenant compliance and financial reporting requirements. Participate in credit training curriculum.

Assists with special projects or other duties as assigned

COMPLIANCE: Maintain an excellent understanding of applicable regulations and laws including but not limited to; Bank Secrecy Act; Privacy; and Fair Lending. Maintain an up to date understanding of credit union policies and procedures as they relate to compliance.   Consistently complete appropriate compliance training.

Job Requirements

Qualifications 

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience: BA in Business Administration, Accounting, Finance, or Economics. Over 7 year’s specific work experience or a combination of Education and Work Experience.   

Other Skills and Abilities

Strong technical and analytical skills            

Effective written and verbal communication skills     

Thorough knowledge of credit policy, procedures, regulations and applicable law

Computer Skills

Proficient in Microsoft Office, including Word, Excel, Access, Outlook and PowerPoint.

Proficient in financial spreadsheet programs, i.e. Statement Analyzer, FAST, FAMAS.

Proficient in general web based applications and Adobe Reader.

Competencies: To perform the job successfully, an individual should demonstrate the following competencies:

Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.

Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.

Cost Consciousness - Works within approved budget; Contributes to profits and revenue; Develops and implements cost saving measures; Conserves organizational resources.

Ethics - Treats people with respect; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.

Language Skills: Ability to read and interpret loan & legal documents such as state and federal regulations, and procedure manuals.  Ability to write complex credit memorandum and correspondence.  Ability to speak effectively before groups of customers or employees of organization.

Mathematical Skills: Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

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