Credit Review Analyst

Summary/Objective:
In this role, within the Credit Department, the Credit Review Analyst will review commercial loan writeups (including C&I, Real Estate and Specialty) to ensure accuracy and help to make recommendations for qualitative, technical and structural edits to the presentations. The role requires the analyst to have fundamental knowledge of financial statements, critical analytical skills, and a quantitative skillset. In this role, you will develop a strong understanding of all aspects of commercial credit analysis.

Key Responsibilities:

• Identify any errors in financial/Tax return analysis, loan structure, and incomplete parts of analysis
• Evaluate the accuracy and validity of construction budgets, rental rolls, property valuations and profitability analyses for Real Estate
• Evaluate the appropriateness of any underlying assumptions or adjustments made by the underwriter to develop the future cash flows analysis
• Determine whether the stated risk factors are adequately addressed by the mitigants
• After thorough review/evaluation, the Credit Review Analyst provides the correct analyses, suggestions, and additional support/language to be included in the presentation
• Ensure compliance with Bank and loan policies

Job Qualifications:

• Strong academic background with bachelor’s degree in finance, economics, accounting, or other related quantitative fields
• Strong critical analysis, math skills, and attention to detail required
• Ability to multi-task, prioritize work, and adapt to changes in working environment required
• Ability to collaborate effectively with peers in various groups
• Ability to identify discrepancies in data and analyses
• Related work/internship experience preferred

The annual salary range for the Credit Review Analyst is $65,000 - $75,000 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/).