Credit Analyst (Commercial Lending-Credit)

Everett, MA

Everett Bank is looking for a Credit Analyst to support our Commercial Lending team. In this role, you’ll evaluate financial strength, identify credit risks, and provide analysis that drives informed lending decisions. You’ll play a key part in maintaining the quality of our loan portfolio and supporting our growth strategy, while working closely with experienced lenders and credit leadership.

Key Responsibilities

• Analyze financial statements, tax returns, and credit reports to assess borrower risk.
• Prepare clear credit memoranda for loan requests, renewals, and modifications.
• Identify loan policy exceptions and recommend risk-mitigating factors.
• Assign and verify borrower risk ratings in partnership with the SVP of Credit Risk.
• Track covenant compliance and annual borrower financial reporting.
• Collaborate with lenders to request and review updated financial information.
• Maintain knowledge of credit policies, banking regulations, and compliance standards.

Minimum Requirements (education and experience)

• Bachelor’s degree in finance, Accounting, Economics, or related field.
• 2–4 years of experience in banking, credit, or financial analysis.
• Strong analytical and quantitative skills with attention to detail.
• Excellent written and verbal communication skills.
• Ability to manage multiple priorities with accuracy and efficiency.
• Proficiency in Microsoft Office and financial spreading software.

Work Conditions

• Professional office setting standard business hours, Monday through Friday.
• Position requires extended periods of sitting at a desk and working at a computer.
• Occasional lifting of files, banker’s boxes, or office equipment up to 20 lbs.
• Fast-paced environment requiring multitasking, accuracy, and teamwork.
• Collaborative culture where open communication and problem-solving are valued.

Compensation & Benefits

• Competitive base salary with performance-based incentive opportunities.
• Employee Stock Ownership Plan (ESOP).
• 401(k) plan with employer contribution.
• Comprehensive health and dental insurance.
• Company-paid life insurance.
• Paid vacation, sick time, and holidays.