Senior Credit Analyst

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    "requisitionDescription": "<div><div><p data-pasted=\"true\">&nbsp;<span style=\"color: rgb(65, 65, 65); font-family: sans-serif; font-size: 14px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; display: inline !important; float: none;\" data-pasted=\"true\">Actual compensation for this role is commensurate with experience, skill set, and other qualifications.</span></p><p><br></p><p id=\"isPasted\">East Cambridge Savings Bank&rsquo;s Lending Division is actively recruiting for a <strong>Senior Credit Analyst.</strong></p><p><strong>&nbsp;</strong></p><p><strong>Function</strong><strong>:</strong></p><p>Under the general direction of the Team Lead &ndash; Commercial Credit, perform a variety of administrative tasks in connection with credit analysis for the Lending Division.</p><p>&nbsp;</p><p><strong>We are looking for a candidate with:</strong></p><ul type=\"disc\"><li>3 years commercial credit experience</li><li>Bachelor&rsquo;s degree in Finance/Accounting or equivalent work experience</li><li>Ability to analyze financial statements and effectively prepare written analysis</li><li>Proficient with Microsoft word and excel</li><li>Working knowledge of LoanVantage and COCC Insight preferred</li><li>Excellent verbal and written communication skills</li><li>Strong interpersonal and organizational skills</li></ul><p>&nbsp;</p><p><strong>Essential</strong><strong>&nbsp;</strong><strong>Job</strong><strong>&nbsp;</strong><strong>Functions</strong><strong>:</strong></p><ul type=\"disc\"><li id=\"isPasted\">Researches and examines credit risks, assesses credit history, and makes a recommendation to approve or disapprove extension of credit.</li><li>Responsible for conducting financial, strategic and competitive analysis for both Business and Commercial real estate customers.</li><li>Prepares loan documents and comprehensive credit proposals for Board presentations; assists management&nbsp;with presentation materials and approval process.</li><li>Develops and analyzes property cash flow information.</li><li>Provides an assessment of loan condition and quality, assigns credit grades on existing credits and oversees loan documentation as outlined in East Cambridge Savings Bank lending policies.</li><li>Responsible for the tracking, collecting and reporting of loans that are incomplete due to missing documentation.</li><li>Maintains a good working knowledge of the Bank&rsquo;s lending policies and procedures and identifies deviations from policy.</li><li>Responsible for presentation of written and oral reports to management. Performs periodic review of various industries and analyzes the information to identify industry trends.</li><li>Conducts in-depth review and analyzes balance sheet and profit and loss statements presented by applicants for large commercial loans.</li><li>Assesses liquidity, quality of management, market position and overall business climate to estimate future profitability of business.</li><li>Provides technical advice and assistance to Commercial Lending Officers as needed.</li></ul><p>&nbsp;</p><p><strong>Supportive Functions:</strong></p><ul type=\"disc\"><li>Performs related administrative work as required.</li><li>Assists the VP/Commercial Credit Officer with special projects as needed.</li></ul><p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p><p>Contact our Human Resources Division or visit <a href=\"http://www.ecsb.com/careers\">www.ecsb.com/careers</a> for more details and to apply.&nbsp;</p><p>&nbsp;</p><p>Or submit your resume to:</p><p>Email: [email protected] Fax: 617-252-6877 Phone: 617-354-7700</p><p>&nbsp;</p><p>East Cambridge Savings Bank, Attn: Human Resources</p><p>344 Cambridge Street Cambridge, MA 02141</p><p>&nbsp;</p><p><em>East Cambridge Savings Bank is an Equal Opportunity Employer/Disabled/Veterans</em></p><p><br></p></div></div>\n",
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