Commercial Credit Analyst II in Newburyport, Massachusetts at River Run Services LLC

River Run is a shared services organization that supports banking affiliates, Newburyport Bank and Pentucket Bank. Together, we shape the evolution of community banking through innovation and strong partnerships, while preserving the personalized service our customers value. Here, you will discover opportunities for professional growth, make a meaningful impact in your local community, and join a team that champions integrity, collaboration, and continuous progress. This is community banking, evolved.

The Commercial Credit Analyst II identifies, monitors, and describes credit risk in a commercial banking environment. Performs financial spreading and analysis, credit underwriting, evaluation of commercial borrowers, covenant testing, and performs occasional special projects.

Essential Job Functions

• Analyze financial statements, evaluate personal and commercial creditworthiness, and prepare comprehensive credit approval packages for new loan requests.
• Independently underwrite new financing requests, complete annual commercial loan reviews, and maintain responsibility for assigned borrower relationships.
• Identify, assess, and document financial, operational, industry, economic, and management risks that may impact a borrower's ability to meet obligations, recommending appropriate risk ratings and action plans when needed.
• Collect, analyze, and interpret financial and supporting documentation, obtaining additional information as necessary to ensure timely and accurate credit decisions.
• Maintain commercial credit files and portfolio quality while supporting Commercial Lending with quarterly reviews, preliminary memos, construction site inspections, customer visits, meetings, and loan structuring.
• Assist junior analysts and interns by answering questions, modeling best practices, and providing guidance on credit analysis and documentation.
• Ensure compliance with Bank credit policies, lending procedures, federal and state regulations, and the Bank Secrecy Act (BSA), documenting exceptions and verifying transactions and account balances as applicable.
• Provide administrative support to the Credit Administration team and Commercial Lending Officers while remaining current on Bank products, services, policies, procedures, and regulatory requirements through ongoing training.

Qualifications, Education, and Experience

• Bachelor's degree in Business or a related field.
• 2–3 years of banking or financial services experience.
• Strong knowledge of accounting, finance, and commercial lending principles.
• Ability to perform financial statement analysis, interpret appraisal and market data, and evaluate commercial credit risk.
• Strong analytical, decision-making, organizational, and time management skills with excellent attention to detail.
• Proficiency in Microsoft Office and other standard business applications.
• Self-motivated with the ability to manage multiple priorities and meet deadlines.
• Ability to learn and apply knowledge of the Bank's products and services, particularly commercial and loan products.
• Strong written and verbal communication skills with the ability to clearly document financial analyses and credit recommendations.

River Run Services, LLC is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, ancestry, national origin, gender, sexual orientation, marital status, religion, age, disability, gender identity, results of genetic testing or service in the military.

If you are an individual with a disability and require a reasonable accommodation to complete the application process, you may contact Human Resources at hr@riverrun.com or call 978-462-3136.

The salary range represents an estimate based on market data for this position. Final compensation decisions are made based on experience, skills, and internal equity to ensure fairness and consistency across our organization.

Salary Description