Credit Review Analyst Jobs

In this role within the Credit Department, the Analyst will review commercial loan writeups (including

new loans, line of credit renewals and household reviews) to ensure accuracy and help make

recommendations for technical/structural and qualitative edits to the presentations. This role is

designed for new credit professionals to learn the following basics with the intention of advancing to a

Senior Credit Review Analyst role within the team.

Essential Functions

In this role, you will develop a strong understanding of the following components within the credit analysis:

Financial Statement Spreads

• Reviewing Personal Financial Statements and Tax Returns
• Developing business cash flows, personal crash flows and global cash flow analysis
• Developing an understanding of Credit Reports
• Spreading and balancing an income statement and balance sheet
• Reconciling cash

Northern Bank Loan Policy

• Understand Commercial C&I, CRE and Construction Lending underwriting standards
• Understand Approval Authorities, NBTC’s Risk Rating methodology
• Understand our “out of market” requirements and franchise lending requirements

Credit Memo

• Knowledge of the different loan types and the importance of selecting the correct one
• When to add a condition
• How covenants work and how to add and test them
• How total exposure is calculated
• How effective yield is calculated
• Knowing where fields are in Salesforce that populate the credit memo templates
• Understand the Boarding Summary fields and why each is important
• Understanding the following: The keys to structuring the credit memo
• Importance of application dates and where they are input

Job Qualifications

• Inquisitiveness and a passion to learn
• Strong analytical and math skills required
• Bachelor’s degree in Finance/Economics/Mathematics and/or experience in a similar position
• Preferred
• Must be proficient Microsoft Office suite

About Northern Bank & Trust Company

Northern Bank is a full-service bank dedicated to providing practical, common sense financial solutions to help our customers live their lives and grow their businesses. From deposit products to loans to payment and collections services, we work hands-on with our entrepreneurial customers, both locally and across the country, to provide the financial support they need to realize their personal and business goals. Founded in 1960, Northern Bank has assets of $2.65 billion with 13 locations serving communities throughout Middlesex County. Northern Bank is a Member of the FDIC, and an Equal Housing Lender. For more information on online banking services, please visit www.NBTC.com or follow Northern Bank on

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