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Commercial Credit Analyst

at Bangor Savings Bank in Bangor, Maine, United States

Job Description

FUNCTION: Working proactively with loan officers, a Mid to Senior Level Senior Credit Analyst prepares independent comprehensive written presentations of the Bank’s existing and prospective commercial lending relationships, including, but not limited to C&I, CRE, and community development transactions.

KEY ACCOUNTABILITIES:

+ Assesses the borrower’s overall financial condition; details risks and mitigants; evaluates the adequacy of repayment sources, including cash flow, leverage, collateral adequacy, guarantor strength

+ Assesses compliance with regulatory guidelines and identifies exceptions to loan policy; and recommends appropriate risk ratings

+ May assist with other responsibilities such as, but not limited to, the training and development of credit analysts; Management Loan Committee activities; technology initiatives; appraisal coordination and/or review; and/or other special projects as assigned

+ Occasionally accompany relationship manager on business calls to assist in assessing borrower risk

+ Informs management of problems, developments, recommendations, enhancements pertaining to loan origination support of refinance/restructure products

Customer Experience:

+ Works to deliver superior client service daily

Compliance and Control:

+ Assists in ensuring that the Bank complies with local, state and federal regulations

General:

+ Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork, especially between the underwriting and lending functions

+ Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook

KNOWLEDGE/SKILL & EXPERIENCE REQUIREMENTS:

+ High school diploma or equivalent

+ Bachelors Degree in Business or Accounting related field

+ 2-5+ years of commercial credit experience

+ Strong analytical and organizational skills with an ability to interact effectively with all levels of staff and management

+ Excellent customer service skills

+ Prior success in a customer contact role desirable

+ Strong communications skills, verbal and written

+ Strong PC skills

PHYSICAL DEMANDS, CONDITION REQUIREMENTS, & EQUIPMENT USED:

+ General office environment

+ Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required

External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.

At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement.

We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well-done.

At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters.

Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and/or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed. This application will remain active for a period of 90 days. If, after such time, you still wish to be considered for employment, you must reapply. Bangor Savings Bank does provide workers compensation coverage for employees injured on the job. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

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Job Posting: JC195700422

Posted On: Oct 23, 2021

Updated On: Dec 03, 2021