Commercial Credit Analyst

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MountainOne
93 Main Street
NORTH ADAMS, MA 01247

Phone:(413)663-2100
Website: mountainone.com

Company Description:
MountainOne is a mutual holding company headquartered in North Adams, Massachusetts. Banking, Insurance, and Investment products are offered at full service offices in the Berkshires (Pittsfield, North Adams, Williamstown) and on Boston's South Shore (Quincy, Rockland, Scituate). MountainOne is dedicated to the local communities we serve, with a mission of delivering solutions of real value that help individuals, businesses, and community institutions manage their financial lives with clarity and confidence.

MountainOne Bank, founded in 1848, provides a complete array of personal and business banking and electronic services.

MountainOne Insurance provides personal and business insurance, bonding services and group benefits solutions.

MountainOne Investments provides individual investment services and group financial benefit plans (financial professionals offering securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Advisor)

Commercial Credit Analyst
To Commensurate With Experience
North Adams
Full Time
Banking
Bachelor's Degree
Preferred

Under the general supervision of the SVP of Credit Administration, performs credit analysis for new loan requests and oversees and administers existing portfolios; including, but not limited to, preparation of annual reviews and loan modifications, as well as, tracking financial information. Maintain compliance with all related Bank policies, standardized procedures and regulations. Below is a description of the ordinary duties of the position. This description is intended as a guideline and may not be all-inclusive. There may/will be additional duties and responsibilities both related and unrelated to the department, which will require attention and therefore will be required. Employee access to a customer’s non-public personal information shall be limited to the extent necessary in order to accomplish the duties outlined below or as may be assigned.

Primary Responsibilities:

  • Analyze financial statements, management of profiles, business/ product cycles, historical operating performance and cash flow;
  • Gather and analyze credit information for the purpose of assessing credit risk;
  • Effectively and accurately complete credit underwriting for Small to Mid-Size Commercial Loan requests including but not limited to Commercial Mortgages, Commercial and Industrial as well as Working Capital Revolving Credit Loans;
  • Prepare and review in-depth written analysis for commercial lending relationships of various sizes and levels of complexity, ensuring that the completed product is in compliance with all applicable laws, regulations and guidelines, as well as policies specific to MountainOne Bank;
  • Performs analysis and research required for the annual review of all Borrower relationships as well as the annual review/ renewal of all Working Capital Revolving Lines of Credit;
  • Track the receipt of all financial items requested and required by the Bank on a quarterly as well as annually basis.
  • Maintain the Borrower’s credit files, ensuring that all financial items received have been placed in the file and that the files are complete and sufficiently updated.
  • Interact with customers, Bank officers and Loan Operations to respond to inquiries, questions, problems and other credit issues on a timely basis;
  • Ongoing professional development training to increase overall banking knowledge and depth of knowledge in credit administration and lending;
  • Represent the Bank in the community and at business and professional association functions;
  • Participates in and completes in a timely manner all training as assigned and required;
  • Other duties as assigned.

  • Bachelor’s Degree preferred. Equivalent experience will be considered;
  • Solid working knowledge of data management and reporting;
  • Proficient with Word, Excel, PowerPoint and Outlook;
  • Excellent verbal and written communication skills;
  • Strong interpersonal and organizational skills;
  • Ability to communicate effectively and work independently with specific job functions;
  • The ability to use general office equipment ;
  • Ability to work with the commercial lending staff;
  • Deadline and detailed oriented and accurate;
  • Ability to deal with and show discretion in confidential matters;
  • Ability to sit, drive, bend, answer the phone and perform computer input.