Lowell Five: Senior Credit Analyst, Officer
Senior Credit Analyst, Officer
Full Time
Tewksbury, MA
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POSITION SUMMARY
The Senior Credit Analyst will contribute to the various day-to-day analytical requirements and
administrative functions of the Credit/Collections Department. The goal of the department is to
provide timely and accurate support for commercial portfolio risk management.
ABOUT LOWELL FIVE
With nearly $1.7 billion in assets, over 200 employees, and L5 banking center locations throughout the
Merrimack Valley and Southern New Hampshire, Lowell Five is honored to play a vital role in the
economic vitality of the region. We provide support of, and our employees are engaged in, a myriad of
leadership roles for numerous community boards and organizations. We are proud of the longevity of
our employees, and we are committed to finding new talent for our team. We offer career
development and educational programs to support personal and professional growth along with a
benefit package that supports each employee’s best life. For more information, please visit
www.lowellfive.com.
ESSENTIAL DUTIES AND RESPONSIBILITIES
• Credit analysis and assessment of moderate to complex transactions with new and/or existing
customers to support proposed loans or annual renewals as requested by the Loan Officers or as
needed for compliance with submission of loans to the Loan Committee and/or Executive
Committee
• Spreading financial statement data and analysis of resulting spreadsheets, including documenting
findings, observations, and conclusions regarding the financial health and cash flow capacity of the
business and/or borrower(s) and guarantor(s)
• Research and documentation of moderate to complex credit issues that arise regarding existing
borrowers and/or loan relationships
• Prepare annual review and/or renewal of relationships in the Bank’s existing portfolio
Please note this job description is not designed to cover a comprehensive listing of activities, duties, or
responsibilities that are required of the employee for this job. Duties, responsibilities, and activities
may change over time.REQUIREMENTS
• Bachelor’s degree preferred
• Minimum of three (3) years of related experience required
• Strong understanding of commercial lending, financial analysis, and business structure is essential
• Underwriting experience, including but not limited to construction loans preferred
• Ability to analyze, document, and clearly present findings
• Highly detail-oriented with excellent organizational skills
• Ability to multi-task and assimilate knowledge and experience
• Sound working knowledge of various computer programs and software applications, including
Microsoft Office Suite, Sageworks and Fiserv DNA platform.
Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities
All applicants can apply directly on our website – https://www.lowellfive.com/about/careers/