Commercial Credit Analyst II

Responsible for supporting the Bank's commercial lending activities by providing detailed, insightful, and

timely written credit analysis for new loan requests and existing lending relationships. Interprets financial

and credit statements, collateral, cash flow, and other factors in determining the credit worthiness of the

customer.

Essential Functions

• Responsible for spreading, analyzing, and performing in depth typed reviews of financial
• information for current and prospective borrowers for all types of business structures, while
• maintaining a high level of accuracy.
• Assess commercial loan risk through the evaluation of financial statements, debt service capacity,
• company management, loan collateral, industry trends, and guarantor financial capacity.
• Identify credit related questions or concerns that may impact the borrower's timely and ultimate
• repayment of the loan.
• Communicate effectively with lenders, lending staff, and clients to obtain or convey pertinent credit
• information.
• Understand and adhere to the Bank's loan policy, other policies of the Bank, and regulatory
• policies.
• Participate in customer calls with the commercial lender.
• Assists with the follow up and resolution of exceptions noted by external examiners.
• Assists with special projects and tasks as requested by the Senior Vice President of Commercial
• Credit.

Nonessential Functions

• Performs additional duties as requested

Work Location: This position will be hybrid-remote based out of White River Junction, VT.

What You'll Need

• College degree, preferably a B.A. or B.S in accounting, business administration or economics; or equivalent combination of education and experience in the business/banking field
• Three years commercial loan underwriting experience is required including the ability to underwrite every type of business structure
• Solid working knowledge of the Microsoft Office Word and Excel programs and the internet for research purposes
• Knowledge of financial spreadsheet software helpful
• Knowledge of CreditQuest beneficial, but not required
• Ability to use and working knowledge of computers/strong typing skills
• Good interpersonal communication
• Able to maintain confidentiality and privacy
• Professional appearance; grooming and dress consistent with MSB appearance policy

Physical Demands/Working Conditions

• Must be able to lift or transport up to 25 pounds
• Varied work with a normal expenditure of energy and little or no unusual physical effort
• May involve incidental business machine operations
• Work involves intermittent periods of stationary positioning and traversing
• Working conditions include well-lit and well-ventilated areas

Core Competencies

• Customer Experience - Building strong relationships and delivering customer-centric solutions.
• Collaborates - Building partnerships and working collaboratively with others to meet shared objectives; understanding how interactions with colleagues ultimately impact the customer.
• Interpersonal Skills - Relating openly and comfortably with diverse groups of people.
• Situational Adaptability - Adapting one's approach and demeanor in real time to match the shifting demands of varying situations.
• Communicates Effectively - Communicating clearly and in a way that supports the needs of different audiences.
• Improves Continuously - Demonstrates an ability to adapt and commit to new ways of doing things with a continuous improvement mindset.
• Plans and Aligns - Planning and prioritizing work to meet commitments aligned with organizational goals.
• Ensures Accountability - Holding self and others accountable to meet commitments
• Instills Trust - Gaining the confidence and trust of others through honesty, integrity, and authenticity.
• Demonstrates Self-Awareness - Using feedback and reflection to gain insight into personal strengths and weaknesses.

Why Mascoma Bank?

• Strong culture of belonging with a team that values creativity, new perspectives and innovation.
• Community first minded. We care about our employees and the communities we serve.
• Competitive compensation.
• Flexible work environment with onsite, remote and hybrid opportunities.
• Career development and internal career mentorship.
• Comprehensive health care, dental care, and vision.
• 401(K) Program: 4% safe harbor employer match on top of 5% non-elective contributions following one year of service.
• Generous PTO starting at 22 days per year, not including 11 paid holidays and 16 hrs. of Volunteer Time Off.
• Tuition Reimbursement.
• Student Loan Paydown and so much more!

Background and Credit Check

As part of our commitment to maintaining a secure financial institution, all final candidates will be required to successfully complete background and credit screenings as part of the hiring process. These screenings will be conducted in accordance with applicable laws and industry regulations.

Please note: Having a record on a background or credit report does not automatically disqualify you. We evaluate results on a case-by-case basis, taking into account their relevance to the role and any regulatory requirements.

Our Commitment to Belonging!

The communities served by Mascoma Bank consist of individuals from diverse backgrounds. Our employees likewise bring unique perspectives, experiences, and approaches to the bank. We strive to create a safe and welcoming environment for all who pass through our doors and a workplace that actively demonstrates mutual respect and trust, one of our core values. A truly inclusive culture leads to a sense of belonging and support for all team members and inspires innovation and creativity. We are committed to recruiting and retaining a diverse talent pool, increasing team member engagement through professional development and community outreach activities, and offering personal growth workshops and team-building opportunities. By embracing diversity, equity, and inclusion, we strengthen our communities and ourselves.

Mascoma Bank is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, ethnicity, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, veteran status, status as an individual with a disability, or other applicable legally protected characteristics. To request reasonable accommodations, please contact careers@mascomabank.com.

Mascoma Bank is an Affirmative Action and Equal Opportunity Employer, M/F/D/V.