CREDIT ANALYST
- LocationSpringfield, MA, US
- Work typeNot stated
- Posted3 November 2026
- SourceFreedom Credit Union's careers page (Paylocity)
Live checkFirst seen 3 days ago; still listed on Freedom Credit Union's careers page 4 h ago.
At a glance
- Experience1 to 3 years
- EducationBachelor's degree
- Skills and toolsExcel
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Check my fitAbout the role
*Please note, this position is on-site in Springfield, MA
Primary Summary:
Under general supervision of the Commercial Credit Manager, and in accordance with established policies and procedures, performs credit analysis on all Member Business Loans.
Essential Functions/Position Responsibilities:
- Perform a thorough financial, cash flow, ratio and trend analysis on each Member Business Loan application.
- Prepare an objective and comprehensive written presentation which includes an assessment of the strengths and weaknesses of a credit while adhering to Member Business Loan Policy standards.
- Determine collateral adequacy: consideration of asset availability, familiarity with real estate appraisal and environmental regulations.
- Make recommendations to the Commercial Credit Manager on viability and risk of a new loan/relationship.
- Perform annual reviews of existing portfolio based on updated financial information including adherence to covenants and risk rating appropriateness.
- Spread financial statements.
- Assist with portfolio tracking systems.
Requirements
Position Requirements:
- BS degree in business or related field
- Minimum of 1-3 years of relevant experience
- Understanding of accounting principles
- Knowledge of business and personal financial statements
- Strong analytical and underwriting skills
- Ability to use Microsoft Word and Excel extensively
- Strong written and oral communication skills required
- Organizational skills/ability to prioritize and handle a multitude of responsibilities, meet deadlines
- Proficiency in financial analysis software
- Will be required to work outside of scheduled hours to respond to positions issues.
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