Commercial Credit Analyst II

River Run is a shared services organization that supports banking affiliates, Newburyport Bank and Pentucket Bank. Together, we shape the evolution of community banking through innovation and strong partnerships, while preserving the personalized service our customers value. Here, you will discover opportunities for professional growth, make a meaningful impact in your local community, and join a team that champions integrity, collaboration, and continuous progress. This is community banking, evolved.

The Commercial Credit Analyst II identifies, monitors, and describes credit risk in a commercial banking environment. Performs financial spreading and analysis, credit underwriting, evaluation of commercial borrowers, covenant testing, and performs occasional special projects.

Essential Job Functions

• Analyze financial statements, evaluate personal and commercial creditworthiness, and prepare comprehensive credit approval packages for new loan requests.
• Independently underwrite new financing requests, complete annual commercial loan reviews, and maintain responsibility for assigned borrower relationships.
• Identify, assess, and document financial, operational, industry, economic, and management risks that may impact a borrower's ability to meet obligations, recommending appropriate risk ratings and action plans when needed.
• Collect, analyze, and interpret financial and supporting documentation, obtaining additional information as necessary to ensure timely and accurate credit decisions.
• Maintain commercial credit files and portfolio quality while supporting Commercial Lending with quarterly reviews, preliminary memos, construction site inspections, customer visits, meetings, and loan structuring.
• Assist junior analysts and interns by answering questions, modeling best practices, and providing guidance on credit analysis and documentation.
• Ensure compliance with Bank credit policies, lending procedures, federal and state regulations, and the Bank Secrecy Act (BSA), documenting exceptions and verifying transactions and account balances as applicable.
• Provide administrative support to the Credit Administration team and Commercial Lending Officers while remaining current on Bank products, services, policies, procedures, and regulatory requirements through ongoing training.