Description *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.