Senior Credit Analyst - C&I Lending Opportunity in Needham, Massachusetts

Robert Half is proud to partner with a dynamic and growing financial institution in Needham, Massachusetts, to find a talented Senior Credit Analyst specializing in Commercial and Industrial (C&I) Lending. This full-time role offers a unique chance to play a pivotal part in assessing creditworthiness, mitigating loan risks, and supporting a robust lending portfolio. If you have a passion for financial analysis, underwriting expertise, and a keen eye for detail, this position in the heart of Massachusetts could be your next career milestone. With Needham's thriving business environment and proximity to Boston, you'll enjoy an ideal blend of suburban charm and urban accessibility.

As a Senior Credit Analyst, you'll dive deep into client financials, underwrite complex loan requests, and collaborate with cross-functional teams to drive informed credit decisions. This role demands precision, regulatory knowledge, and strategic thinking to ensure compliance with banking policies while fostering client relationships. Join a forward-thinking team committed to excellence in C&I lending and advance your career in commercial banking.

About the Role

In this critical position, you'll be the guardian of the bank's commercial lending portfolio. Your primary mission is to evaluate the financial health of C&I clients, underwrite loans with meticulous analysis, and provide actionable recommendations. Expect to handle everything from financial statement reviews to risk rating assignments, all while staying ahead of regulatory changes. This isn't just analysis—it's about empowering sustainable growth for clients and the bank alike. With a salary starting at $70,000 and room for advancement, this role is perfect for seasoned professionals ready to make an impact in Needham, MA.

Key Responsibilities

The Senior Credit Analyst role is hands-on and multifaceted. Here's what you'll tackle daily:

• Financial Data Collection and Analysis: Gather and scrutinize financial statements, borrowing base certificates, and covenant compliance reports. Conduct thorough annual reviews to track client performance trends and identify potential risks early.
• Loan Underwriting Expertise: Lead the underwriting process for new loans and modifications. This includes spreading financial statements, performing in-depth cash flow assessments, evaluating collateral values, and analyzing guarantor financial strength.
• Risk Management and Ratings: Assign accurate risk ratings, vigilantly monitor covenant compliance, and propose credit facilities that strictly adhere to bank policies and risk appetite.
• Collaborative Decision-Making: Work closely with Senior Credit Analysts, Account Officers, and portfolio managers. Join client meetings and internal strategy sessions to deliver data-backed insights that shape lending strategies.
• Regulatory Compliance: Champion adherence to all federal and state banking regulations, internal credit guidelines, and best practices in C&I lending to safeguard the institution.

These responsibilities ensure you're at the forefront of credit decision-making, directly influencing the bank's success in the competitive Massachusetts market.

Required Qualifications

To excel as a Senior Credit Analyst - C&I Lending, bring the following to the table:

• Bachelor's degree in Finance, Accounting, Economics, or a related discipline.
• 3-5 years of progressive experience in commercial credit underwriting, analysis, or C&I lending within a banking environment.
• Advanced proficiency in financial modeling, Excel (including spreading tools), and credit analysis software.
• Deep understanding of banking regulations such as FDIC guidelines, Basel accords, and Massachusetts-specific lending laws.
• Proven skills in cash flow analysis, collateral valuation, and risk assessment.
• Exceptional communication abilities for presenting complex financial data to non-technical stakeholders.
• Analytical mindset with a track record of sound judgment in high-stakes credit decisions.

Candidates with certifications like CFA, CPA, or credit risk management designations will stand out. If you're detail-oriented, proactive, and thrive in a fast-paced setting, apply now through Robert Half.

Why Join Us?

Partnering with Robert Half means accessing top-tier opportunities with leading employers. Our client offers a supportive culture, modern facilities in Needham, MA, and a commitment to work-life balance. Enjoy competitive compensation from $70,000+, comprehensive benefits including health coverage, 401(k) matching, PTO, and professional growth programs. Be part of a team that's shaping the future of C&I lending in the United States. Needham's vibrant community, excellent schools, and easy commute to Boston make it an unbeatable location.

Keywords: Senior Credit Analyst jobs Needham MA, C&I lending careers Massachusetts, commercial credit underwriter Robert Half, financial risk analyst positions. Apply today and elevate your banking career!