Senior Credit Analyst

We are developing deeper connections between communities and the ecosystems that sustain them. We accept deposits from individuals, businesses, and non-profits who want to drive positive and lasting change with their dollars. We lend those funds to impact-oriented organizations, with special focus on farms and food businesses. The word “mutual” in our name means cooperative; we are governed by our depositors, funded by those with a bias towards the long-term, and engineered to endure the test of time. Building bridges is core to who we are, as we believe more interconnected and localized ecosystems support better community resilience and economic viability.

We are seeking an experienced credit professional to serve as a Senior Credit Analyst and play a hands-on role in supporting the bank’s commercial lending and credit risk functions. Reporting to the SVP – Credit & Risk, this position will be responsible for analyzing complex commercial, commercial real estate, and agricultural loan opportunities; preparing clear and well-supported credit recommendations; and assisting with ongoing portfolio monitoring. The Senior Credit Analyst will work closely with lenders, credit administration, and executive management to promote sound underwriting, consistent policy application, effective risk identification, and high-quality credit decision-making across the bank.

• Conduct thorough analysis of financial statements, reports, and documents, assessing credit worthiness for new loans applications, requests for modifications, refinancing applications, and annual due diligence reviews.

• Provide risk rating and credit recommendations relating to the assessment of credit risk; analyze industry context: competition, potential new entrants, power of suppliers, power of customers, and threat of substitute products/services.

• Present analysis and findings to lenders and management relating to the borrower’s capacity to repay the loan.  

• Remain current with the Bank’s Loan Policy, related lending policies, regulatory requirements, and market and risk factors, which may impact the borrower and the borrower’s ability to operate and repay the loan.

• Develop models and analysis relating to specific industries, markets, or loan models, providing relevant key ratios and operational analysis regarding borrower’s current and projected performance; identify primary, secondary, and tertiary sources of repayments.

• Work with vendors and servicers, including credit and UCC reporting services, to ensure credit exposures have been properly identified and incorporated in the analysis.

• Document credit assessment and maintain records and reporting relating to the assessment.  Request updated financial information as required in the policy and loan documents.

• Complete assigned regulatory and lending training; remain abreast of changes to state and federal regulations.

• Bachelor’s degree in finance, accounting, or other business-related fields with a strong understanding of financial statements, reporting, and ratio analysis.

• 3-5 years of strong credit and quantitative analysis in banking or related field with a focus on commercial & industrial industries.

• Ability to work in a team environment, collaborating with lending staff and other teammates – but also ability to operate independently with limited oversight. .

• Strong attention to details and the ability to identify variances in financial performance.

• Strong time management skills, ability to manage multiple projects/analysis assignments and to manage competing priorities.

• Completion of a formal credit training program.  

• Working knowledge of food businesses, and/or agricultural lending.  

• Health insurance coverage with dental and vision  

• Unlimited PTO 

• Allocated time for volunteering 

• “Quiet” Fridays 

• Life and disability insurances  

• 401k Plan

• Parental leave policy 

• 11 paid holidays 

• Walden-branded swag