Job Information
Greenfield Savings Bank Senior Credit Analyst in Greenfield, Massachusetts
GREENFIELD Senior Credit Analyst JOB SUMMARY: The Senior Commercial Credit Analyst reports to the Commercial Credit Officer and will be primarily responsible for preparing written analyses of new commercial loan requests and reviewing the work of the junior analysts. This position also has responsibility for training and mentoring the Jr. Commercial Credit Analyst(s). The Sr. Commercial Credit Analyst will also have various portfolio management functions, reporting, commercial appraisal tasks and financial statement tracking duties. The senior analyst will be asked to assist in training credit analysts as they join the commercial credit department. This position will be consulting with all members of the commercial loan team including lenders, documentation specialists on a daily basis and person must have both strong written and verbal communic EY RESPONSIBILITY AREAS: Training and mentoring Jr. Commercial Credit Analyst(s) Preparation of formal loan proposals, underwriting and analyses of commercial loan requests Work with Accounting Department in preparing and maintaining commercial loan portfolio reports and other \"Dashboard\" management reports for review by Senior Management/Board. Preparation of Watchlist/Classified quarterly reviews for loans risk rated Substandard (RR \"7\") and Special Mention (RR \"6\" Ensure compliance with all GSB Commercial Loan Policy in preparing loan proposals Maintain the Financial Statement Database and track receipt of all current financial information Maintain the Commercial Appraisal Log and manage appraisal ordering and reviews JOB REQUIREMENTS/SKILLS: Bachelor\'s Degree in Accounting, Finance or related area with ability to interpret and understand financial statements. A minimum of 3 years Financial Analysis experience preferably with a bank or financial institution Some prior portfolio management or equivalent related work experience preferred Good analytical skills with a solid focus on accuracy Ability to work independently when problem solving and underwriting loan proposals, and with members of the entire commercial loan team as necessary Must possess clear and concise oral/written communication skills Ability to multi-task and prioritize work flow Must be well organized with good time management and project management skills Experience in Microsoft Office WORD, EXCEL applications Experience using financial statement spreadsheet software, Sageworks, Moody\'s, other ADDITIONAL PROFESSIONAL SKILLS: Experience/knowledge of Commercial Loan Platform software, i.e. BakerHill, JackHenry, a plus Ability to review/evaluate commercial and investment property appraisals Experience with Fiserv/Cleartouch platform commercial loan software a plus Greenfield Savings Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, gender identity and/or expression, national origin, disability status, protected veteran status, age, marital status, or any other protected class.