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For The Life You Choose, A Career to Match….

Here at Norway Savings Bank, we strive to create a positive, team-based culture that leverages each person’s unique gifts and strengths and offers the support to achieve great things. 

A place where your unique being shines through.

 Our team is seeking an experienced and self-driven individual to join us as a Senior Commercial Credit Analyst!

In this unique and multi-faceted role, you’ll work to identify, assess and monitor all aspects of risk associated with the Bank’s largest and most complex Commercial Relationships.

Among other duties, you’ll prepare credit approval and underwriting analysis of new and existing commercial Borrowers, complete annual reviews and line of credit renewals, and where appropriate, assist the Bank’s Commercial Lending Officers in the origination and maintenance of their commercial Borrower relationships.

This exceptional opportunity with our skilled Commercial team will allow continued growth, and to build on your progressive experience in an analyst role.

Essential Pieces of the Position:

• Makes risk rating and structuring recommendations based on the Bank’s Loan Policy.
• Perform financial statement spreading and analysis. Analyze subsequent output for positive/negative trends and overall credit quality. Demonstrate understanding of tax returns and the purpose for utilization of various schedules.
• Prepares written proposals that summarize the borrowing request, an analysis of the financial condition of the borrower, the adequacy of collateral and tertiary sources of repayment.
• Prepares credit approval and underwriting analysis of new, and existing commercial Borrowers; centered in the Bank’s largest and most complex credit.
• Completes annual reviews and line of credit renewals for the Bank’s largest and most complex existing borrowers.
• Conducts routine credit investigations on companies and industries as credit warrants.
• Promotes the best interest of the Bank whenever and wherever possible.
• Performs all duties in accordance with prescribed regulatory compliance guidelines.
• Assists with training of new Credit Analysts.
• Works with Credit Manager on additional projects as needed.

Benefits:

• Competitive annual salary
• Full suite of insurance benefits
• 160 hours of paid time off per year, increasing with longevity
• 56 hours of paid sick time per year, increasing with longevity
• 11 paid holidays
• 401K with exceptional employer contributions
• Comprehensive Wellness Program
• Tuition reimbursement
• A hands-on team that is dedicated to the growth and success of our employees!

Our Candidate Will Need:

• High school diploma or equivalent required; degree in banking, finance, accounting, statistics, or economics-related field is preferred.
• 5+ years of progressive experience in an analyst role supporting commercial lending function.
• CRC designation, awarded by the Risk Management Association is preferred.
• Familiarity evaluating and analyzing complex tax returns is required.
• Experience in commercial credit underwriting / analysis is required
• Completion of a credit training program preferred
• Knowledge of tax return spreading software, Microsoft Office and PDF
• Excellent written and verbal communication skills
• Enjoys working with a team
• Strong organizational skills
• Ability to multi-task, prioritize and work independently with minimal or no supervision

Working Conditions:

• Physical surroundings are generally pleasant and comfortable with minimal exposure to injury or other hazards.
• Minimal physical effort required; normally seated with freedom of movement on a regular basis; handling of light materials and supplies.

**External and internal applicants, as well as position incumbents who are or who become disabled as defined by the Americans with Disabilities Act must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case by case basis.**