Credit Analyst II

SUMMARY/OBJECTIVE
The Credit Analyst II is responsible for reviewing prospective opportunities brought to the Bank by the Loan Officers. The Credit Analyst gathers and analyzes credit information on current and prospective borrowers and independently develops sound conclusions supported by thorough and concise presentations of findings regarding the advisability of granting credit.

ESSENTIAL FUNCTIONS

• Independently underwrite prospective financing packages of low-to-medium complexity in accordance with bank policy.
• Maintain a strong knowledge of standard calculations and credit analysis techniques and use to develop sound conclusions supported by thorough and concise presentations of findings.
• Assist in the maintenance of Bank filing systems as new information is received.
• Perform market, industry, and economic analyses to identify trends and variances.
• Participate in ongoing process improvement initiatives.

JOB QUALIFICATIONS

• 2+ years’ experience in banking and/or a similar analytical position.
• Strong analytical and math skills.
• Proficient in Microsoft Office suite including Excel and Word and familiarity with basic computer applications.
• Strong written and verbal communication skills
• Ability to multi-task, prioritize work, and adapt to changes in working environment.
• Salesforce experience preferred.
• Bachelor’s degree preferred

The salary range for this position is $72000 - $82000 per year

About Northern Bank & Trust Company

Northern Bank is a full-service bank dedicated to providing practical, common sense financial solutions to help our customers live their lives and grow their businesses. From deposit products to loans to payment and collections services, we work hands-on with our entrepreneurial customers, both locally and across the country, to provide the financial support they need to realize their personal and business goals. Founded in 1960, Northern Bank has assets of over $3 billion with 12 locations serving communities throughout Middlesex County. Northern Bank is a Member of the FDIC, and an Equal Housing Lender. For more information on online banking services, please visit or follow Northern Bank on Facebook (/NorthernBankM A/), Twitter (@northernbankma), Instagram (@northernbankma) and LinkedIn (company/northern-bank-ma/).