Centreville Bank · 1 week ago
Senior Commercial Credit Analyst
West Warwick, RI
Full-time
Onsite
Senior Level
5+ years expCentreville Bank is seeking a Senior Commercial Credit Analyst who will be responsible for compiling and preparing financial information to aid in credit decisions for commercial loan requests. The role involves conducting comprehensive financial analyses, monitoring existing loan portfolios, and evaluating credit risk while ensuring compliance with regulations and internal policies.
BankingCommunitiesFinancial Services
Responsibilities
Provides an independent assessment of credit quality for existing and prospective commercial banking clients by conducting comprehensive financial analyses including scrutinizing financial statements or income tax returns and performing detailed financial statement analysis, trend analysis, industry assessments, collateral valuations, cash flow analysis and evaluation of the ability to repay required debt service
Examines, analyzes, and evaluates a variety of documents and business structures, and then utilizes independent judgment to determine and document the degree of proposed transaction risk when compared to Credit policy
Extrapolates data from financial statements, tax returns, credit agencies, online searches, and all other available resources to analyze cash flows, develop projections, prepare detailed property descriptions and market analysis, tenancy analysis, property valuations, construction budget analysis with sources and uses, guarantor/sponsor personal financial statements and cash flows, and real estate holdings analysis
Spreads financial statements and tax returns and performs industry peer analysis to perform detailed credit analysis and risk assessments
Performs other duties assigned, and all duties in accordance with Bank policies, procedures and the applicable regulatory compliance guidelines
Understands and ensures compliance with all Federal and State Regulations and internal banking policies and procedures
Works with lenders to ensure all post-closing missing items are received and delivered to Loan Servicing
Complete projects as assigned by the Commercial Credit Underwriting Manager or Chief Credit Officer
Maintains current knowledge and consistent compliance with regulations, bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements
Qualification
Required
Bachelor's degree from a four-year college or university in a business-related field, or equivalent work experience is required
Five (5) or more years of commercial credit analysis experience
Strong analytical and quantitative skills
Proven ability to gather and analyze data and information, draw logical conclusions, and make appropriate recommendations
Proven problem-solving ability
Strong organizational, time management and prioritization skills with attention to detail
Excellent verbal, written, and interpersonal communication skills with strong presentation skills
Team player able to work effectively in a team-fostered, multi-tasking environment
Preferred
Formal commercial credit training is preferred
Additional education, certifications, or other distinctions are a plus
Company
Centreville Bank
Centreville Bank is a community bank operating in Rhode Island.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Jill (St. Martin) DeShiro
EVP/CFO/COO
Rachel Barrett
SVP, Chief Credit Officer
Recent News
Providence Business News
2026-01-16
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2026-01-03
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2025-11-27
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