Review commercial loan writeups (C&I, Real Estate, Specialty) for accuracy, validate financial analyses and assumptions, identify errors or missing information, evaluate property and cash-flow analyses, recommend edits and mitigants, and ensure compliance with bank and loan policies.
Summary/Objective:
In this role, within the Credit Department, the Credit Review Analyst will review commercial loan writeups (including C&I, Real Estate and Specialty) to ensure accuracy and help to make recommendations for qualitative, technical and structural edits to the presentations. The role requires the analyst to have fundamental knowledge of financial statements, critical analytical skills, and a quantitative skillset. In this role, you will develop a strong understanding of all aspects of commercial credit analysis.
Key Responsibilities:
In this role, within the Credit Department, the Credit Review Analyst will review commercial loan writeups (including C&I, Real Estate and Specialty) to ensure accuracy and help to make recommendations for qualitative, technical and structural edits to the presentations. The role requires the analyst to have fundamental knowledge of financial statements, critical analytical skills, and a quantitative skillset. In this role, you will develop a strong understanding of all aspects of commercial credit analysis.
Key Responsibilities:
- Identify any errors in financial/Tax return analysis, loan structure, and incomplete parts of analysis
- Evaluate the accuracy and validity of construction budgets, rental rolls, property valuations and profitability analyses for Real Estate
- Evaluate the appropriateness of any underlying assumptions or adjustments made by the underwriter to develop the future cash flows analysis
- Determine whether the stated risk factors are adequately addressed by the mitigants
- After thorough review/evaluation, the Credit Review Analyst provides the correct analyses, suggestions, and additional support/language to be included in the presentation
- Ensure compliance with Bank and loan policies
- Strong academic background with bachelor’s degree in finance, economics, accounting, or other related quantitative fields
- Strong critical analysis, math skills, and attention to detail required
- Ability to multi-task, prioritize work, and adapt to changes in working environment required
- Ability to collaborate effectively with peers in various groups
- Ability to identify discrepancies in data and analyses
- Related work/internship experience preferred
Northern Bank Woburn, Massachusetts, USA Office
275 Mishawum Rd, Woburn, MA, United States, 10801
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