Commercial Credit Analyst

Leader Bank is looking for exceptionally dedicated team members to join one of the region’s fastest growing community banks and mortgage lenders. At the time of its founding in 2002, Leader Bank had one branch office, $6.5 million in assets and 7 team members. Since then, the Bank has become one of the most successful banks in Massachusetts with $4 billion in assets, more than 400 team members, 6 branch offices, and annual mortgage originations of over $2 billion.

Exemplary products and an innovative spirit have driven Leader Bank’s rapid growth over the years, and our team members embrace these values. Our mission is to obsess over our clients, make them feel valued, and maintain long-term relationships with them by constantly enhancing our products and processes to always be improving our client experience. For our team members, Leader Bank prioritizes competitive compensation and benefits, a healthy work-life balance, and an environment that fosters diversity and inclusion.

Summary
The Commercial Credit Analyst is responsible for evaluating the creditworthiness of commercial and industrial (C&I) and commercial real estate (CRE) borrowers. This includes analyzing financial statements, preparing credit approval memoranda, and supporting the credit decision process in alignment with Leader Bank’s policies and procedures. 

Responsibilities

• Analyze financial statements, tax returns, cash flows and projections of commercial borrowers.
• Prepare detailed Credit Approval Memoranda assessing repayment ability, collateral adequacy, creditworthiness, and loan structure with recommendation of approval. 
• Conduct industry and market analysis to assess borrower risk.
• Collaborate with lending officers to gather borrower information and occasionally attend joint client calls.
• Ensure compliance with financial covenants and reporting requirements.
• Review appraisals, environmental reports, and commitment letters for consistency with approval terms.
• Maintain documentation and compliance with internal credit policies and regulatory standards.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field
• 1-5 years of experience in commercial credit, loan underwriting, or financial analysis.
• Proficiency in financial modeling and tools like MS Office software.
• Excellent analytical thinking and attention to detail. 
• Effective written and verbal communication skills. 
• Ability to work independently and collaboratively across departments.

Leader Bank offers an excellent compensation and benefits package including: 401k plan with corporate match, medical and dental insurance, and the opportunity to work for a fast growing, local organization.

Leader Bank, N.A. is an Equal Opportunity and Affirmative Action employer and does not discriminate on the basis of race, color, religion, age, gender, marital status, sexual orientation, national origin, disability, military status, veteran status or any other protected class.

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