Jr. 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 basic analytical skills to 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 should 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, lesser complexity portfolio of commercial & industrial, commercial real estate and private banking / professional services commercial loan customers.
• Conduct 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.
• Develop skills for 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 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.
• Utilize appraisals and environmental reports as part of the underwriting analysis.
• 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.
• On occasion, 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.
• Assist with special projects and reporting assignments in Credit Administration.
• Actively participate in ongoing training and development through a combination of the Bank’s formal credit training curriculum, self-study, and self-development.


• College degree.
1 year prior experience is required, preference for direct credit analysis experience in a commercial lending environment.
• Good financial modeling skills are required.
• The successful completion of a formal credit / financial analyst training program is preferred.
• Proficiency with Microsoft Office products (Word, Excel, Power Point, etc.) and financial statement spreading software is required.

To apply for position click on the following link:


Equal Opportunity Employer