Description: SUMMARY Join the Banks that share success with others! As a locally managed bank, South Shore Bank is driven by the needs of communities rather than the demands of investors. You can help us serve as a trusted advisor to the people, businesses and organizations that make our communities stronger. We also provide a competitive benefit package with Medical, Dental, Vision, Flexible Spending, Child Care Subsidy, Retirement, Life Insurance and many other benefits. Performs independent in-depth credit and financial statement analysis to assess and evaluate the financial condition of businesses which have obtained or seek to obtain credit from the bank. Preparation of written credit analysis/reviews on credits ranging from $250M and higher. Will also note any deviations from the Loan Policy and Loan Covenants as appropriate. Along with other Credit Department staff, maintains and reviews appraisal and environmental reports. ESSENTIAL DUTIES AND RESPONSIBILITIES Independently spreads and analyzes financial statements and supplementary information. Performs detailed evaluation of customers credit capacities as well as provides detailed reports outlining the financial condition of prospective and present borrowers. The individual must possess significant knowledge and experience to perform a highly detailed analysis of a customer’s Balance Sheet, Income Statement, Statement of Cash Flow, and tax returns. Reviews trends in the customer’s business, comparing past years, and assessing covenant compliance. Reviews industry trends, assess collateral, initiate credit inquiries, and assesses guarantor position. Assesses creditworthiness within the proposed structure and ensures adherence to loan policy and risk management goals of the bank, with identification of any deviation from policy. Proposes recommendations (structure or otherwise) to mitigate identified risks. Discusses findings with Credit Manager and lending staff to communicate recommendations as to loan structure as to enhance credit quality both on an individual and portfolio basis. Reviews legal documentation key loan and approval terms, identify and test covenants. Maintains related trackers as required. Performs periodic loan reviews for existing, commercial real estate, commercial, and construction loans. Provides technical expertise and guidance to other credit underwriting staff including integration and assistance with implementing new credit related technology and reporting. Participates in customer meetings as requested by lending staff. Reviews real estate appraisals and environmental reports under the direct supervision of a Credit and Construction Manager. Prepares various periodic reports with respect to the loan portfolio. Ensures credit source documents, information, and analyses are properly saved / filed. Assists with integration and testing of new credit and electronic filing systems and technologies as needed. Establishes and maintains positive relationships and communication within the Credit Department, other departments, and clients to enhance customer service. Assembles and distributes Loan Approval Committee packages as requested. Writes Loan Approval Committee minutes as requested. Other duties as determined. SUPERVISORY RESPONSIBILITIES: May guide and provide training to other analysts as needed or requested. Consider this description to be the foundation of your job, not its boundaries. Expect to participate in internal and external training sessions and activities not described here which enhance the quality of service to the client. Requirements: QUALIFICATIONS To perform this job successfully, the individual must be able to perform each essential duty independently and satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE Bachelor's degree (B. A.) from four-year college or university; in economics, accounting, business or finance (or its equivalent through specialized education in credit analysis). Strong PC skills are required with experience with Moody’s or other financial statements spreading and systems such as nCino software preferred. A minimum of 4-5 years of experience in a banking environment. Familiarity with review and identification of key terms and conditions included in legal loan documentation. LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. The communicative nature of the position and analysis product, as reviewed by management, various boards, and regulators requires the individual to possess excellent language and communicative skills. MATHEMATICAL SKILLS Ability to work and apply mathematical concepts such as probability and statistical inference, fractions, percentages, ratios, and proportions to practical situations. Good mathematical skills are necessary given the analytical nature of the position. REASONING ABILITY Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Employ critical thinking skills to assess complex credit and financial structures and situations. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. The completed product must be presented in a very organized, well-written, and logical manner to support and clearly communicate its conclusions and recommendations. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is occasionally required to stand; walk; use sufficient hand, arm and finger dexterity or feel objects, tools, or controls. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The incumbent will be required to participate in the maintenance of a positive work environment. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. KEY POINTS South Shore Bank is committed to providing equal opportunity for all employees and applicants without regard to race, color, religion, gender, sexual orientation, age, marital status, national origin, physical or mental disability, veteran or disability status, gender identity, or expression, citizenship, genetic information, ancestral origin, military status, pregnancy, childbirth, and or conditions relating to pregnancy or any other related medical conditions or any other status protected by Federal, State or local laws. Here at South Shore Bank, we strive to foster a culture where every voice is valued and where employees have a sense of belonging and connection with each other. We are dedicated to creating a work environment that understands, supports, and welcomes diverse perspectives and backgrounds. Together, we will create an inclusive and culturally competent and supportive environment where employees model behavior that enriches the Bank and the communities we support. EOE/F/M/Vet/Disabled