Senior Commercial Credit Analyst

We are seeking a highly skilled Senior Commercial Credit Analyst to join our team at Thomaston Savings Bank. As a Senior Commercial Credit Analyst, you will be responsible for providing expert credit analysis for complex commercial lending activities, assisting in the administration of commercial borrowing accounts, conducting appraisal reviews, training credit analysts, and assisting in the completion of special projects and assignments.

• Conduct thorough, in-depth analysis of new commercial credit requests, credit change requests, renewals, and annual relationship reviews.
• Recommend risk ratings, including changes when analysis merits.
• Produce concise written analysis narratives for presentation to lenders, executive management, loan committee, and/or board of directors.
• Spread financial statements (personal, business, and corporate) regularly to assist lenders in analyzing credit requests.
• Conduct appropriate credit analysis of financial information and perform comparative analysis on companies with similar financial statements.
• Promptly report findings to the Credit Manager that may have an adverse effect on the loan collateral or the borrower's ability to repay the loan.
• Navigate LoanVantage and other Bank systems efficiently, manage pipeline, attend MLC meetings as needed, and serve as a resource for credit analysts, credit administration, and commercial closing administrators.
• Review loan presentations prepared by other credit analysts for adherence to underwriting standards for new and existing loans reviewed.
• Assist with projects that will consist primarily of credit administration items and may relate to possible changes in policies and/or procedures, possible changes as a result of examiner or auditor recommendations, peer group analysis, market studies, changes in compliance and regulations, software upgrades, monitoring of industry or borrower concentrations, risk assessments, and feasibility studies for efficiency gains such as outsourcing, in-sourcing, centralization of duties/staff, etc.

The ideal candidate will have a strong understanding of commercial credit analysis, risk management, and financial analysis. They will also possess excellent communication and interpersonal skills, with the ability to work effectively with lenders, executive management, loan committee, and/or board of directors. Additionally, the candidate will have a strong analytical mindset, with the ability to analyze complex financial data and make sound recommendations.

The successful candidate will be a team player, with a strong commitment to delivering high-quality results in a fast-paced environment. They will also be able to navigate multiple priorities and deadlines, with a strong attention to detail and a commitment to accuracy.

We offer a competitive salary and benefits package, as well as opportunities for professional growth and development. If you are a motivated and experienced credit analyst looking for a new challenge, we encourage you to apply for this exciting opportunity.