Position Summary:

Belmont Savings Bank (BSB), a trusted community bank committed to exceptional service and strong client relationships, is seeking an Experienced Credit Analyst to join our team. This role plays a vital part in evaluating credit risk and supporting the bank’s commercial and consumer lending efforts. The successful candidate will bring a strong analytical background and a solid understanding of financial statements, lending principles, and regulatory compliance. This is an excellent opportunity for a motivated professional to grow with a supportive and collaborative financial institution.

Primary Job Responsibilities:

• Analyze financial statements, tax returns, and credit reports for new and existing commercial and consumer loans.
• Prepare detailed credit memos and risk assessments with recommendations for loan approvals, renewals, or modifications.
• Assess borrower creditworthiness, repayment capacity, collateral value, and overall risk.
• Work closely with loan officers and relationship managers to support loan origination and portfolio monitoring.
• Maintain and update financial spreads, loan covenants, and credit files in accordance with bank policy and regulatory guidelines.
• Monitor borrower performance and identify deteriorating credit conditions or covenant violations.
• Participate in loan committee meetings and present credit analysis findings.
• Support regulatory reporting and respond to internal/external audits as needed.
• Assist in the development and refinement of credit policies and procedures.

Position Requirements:

• Bachelor’s degree in Finance, Accounting, Business, or a related field.
• Minimum of 2 to 3 years of experience as a credit analyst in a banking or financial institution, preferably in a community banking environment.
• Strong knowledge of credit principles, loan underwriting, and regulatory requirements.
• Proficiency in analyzing complex financial statements and cash flow analysis.
• Excellent written and verbal communication skills with a keen attention to detail.
• Ability to work independently and collaboratively in a fast-paced environment.
• Familiarity with loan origination and credit analysis software is preferred.

What We Offer:

• Competitive compensation and benefits package
• Supportive, team-oriented culture rooted in community values
• Opportunities for professional growth and development
• Meaningful work serving local businesses and individuals.

If you’re a credit professional looking to make a difference in your community while advancing your career, we want to hear from you. Submit your resume and cover by August 31, 2025.

Equal Opportunity Employer