Credit Analyst (Encino)

Boston Private Bank and Trust Company is a private bank and wealth management company headquartered in Boston’s Post Office Square, with 25 offices throughout New England, Southern California, the Pacific Northwest, and the San Francisco Bay Area. Since we opened our doors in 1987, we have defined the private banking experience to mean exceptional service, customized advice, and a trusted partnership with clients at all stages of wealth creation

Position Summary:

Individual with essential analytical skills to independently and objectively evaluate the creditworthiness of current and prospective commercial borrowers and external Bank vendors and perform various administrative duties and projects to support the Bank’s ongoing credit and risk administrative functions. The incumbent must have strong writing skills and possess prior accounting, financial analysis or commercial lending credit analysis background. Additionally, the ideal candidate should be naturally inquisitive with problem-solving mindset, be flexible and able to adapt to frequently changing priorities, have a positive attitude and ability to complete work within the required, often fast-moving timelines. Good organizational skills and ability to multi-task are essential.

Roles and Responsibilities:

The incumbent will:

Prepare timely and insightful credit analysis applications for a diverse, medium to high complexity and sophisticated portfolio of commercial & industrial, commercial real estate and private banking / professional services commercial loan customers.

Conduct independent and objective annual reviews of existing loans as well as scheduled and unscheduled loan reviews of the existing portfolio.

Review approval conditions vis-a-vis the loan documentations for existing loans to ensure integrity of the credit process.

Assist in updating the Bank’s Loan Policy.

Create thorough and concise analyses of the risks and mitigants of pending commercial loan requests by reviewing and analyzing the borrowers’ financial statements, including but not limited to income statements, cash flow statements, balance sheets, tax returns, personal financial statements, real estate and C&I collateral appraisal reports, and environmental assessment reports.

Prepare advanced sensitivity analyses, pro forma cash flows, and assessments of collateral and guarantor financial condition.

Conduct analysis of the market (customers) and industry (competition, suppliers, substitutes, and potential new entrants) and management teams and/or deal sponsors.

Evaluate and opine on appraisals and environmental reports as part of the underwriting analysis.

Accurately assess the financial position of commercial clients to support the Bank’s credit decisions on credit exposure of varying size, up to its lending limits. This includes providing independent recommendations to credit and lending management on whether to approve or renew loans, modify terms of existing loans, maintain or change risk ratings of existing loans, and otherwise suggesting the appropriate credit action.

Assist in the discussions of risk elements at Management Loan Committees and Directors’ Loan Committees.

Conduct financial analysis of and make recommendations on the suitability of the Bank’s vendors.

Capture minutes and perform various administration duties for the Management Loan Committees and Directors’ Loan Committees. Interact with senior committee members and the Bank’s Directors in managing the process.

Manage the workflow and the pipeline as requested by the team leader and in his/her absence.

Coach and mentor junior staff as well as the department’s interns.

Actively participate in ongoing training and development through a combination of the Bank’s formal credit training curriculum, self-study, and self-development.

Assist with special projects and reporting assignments in Credit Administration.


College degree

2-3 years prior experience is required, preference for direct credit analysis experience in a commercial lending environment or financial analysis in an investment management, finance, accounting or comparable field.

Strong Writing Skills – Strong ability to write concisely and clearly, with good command of grammar and syntax, particularly in preparation of credit analysis write-ups.

Advanced financial modeling skills are required.

The successful completion of a formal credit / financial analyst training program is strongly preferred.

Proficiency with Microsoft Office products (Word, Excel, Power Point, etc.) and financial statement spreading software is required.

Equal Opportunity Employer
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