Commercial Portfolio Analyst

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It is understood and agreed that my signature on this application hereby indicates that I certify that all the statements and answers set forth on the application and/or my resume are true and complete to the best of my knowledge, and I understand that if subsequent to employment any such statements and/or answers are found to be false or that information has been omitted, such false statements or omissions will be just cause for the terminations of my employment from Freedom Credit Union. Unless indicated elsewhere in this application, I authorize the Credit Union or its agent to verify all the information I have provided in this application. I hereby authorize any persons or concerns to furnish information in their possession concerning any of the information I have provided in this application and release such persons or concerns from any and all liability arising there from.

I understand and agree as a term and condition of employment that no assignment of any salary, wages or other compensation, or any part thereof, will be binding upon the Credit Union unless such assignment is accepted in writing on behalf of the Credit Union by its duly appointed representative.

I also understand and agree that if I am employed by Freedom Credit Union, my employment is at-will and that either Freedom Credit Union or I can terminate the employment relationship at any time for any lawful reason.

I also understand that Freedom Credit Union will require a post-offer/pre-employment drug test.

Under Massachusetts’s law, it is unlawful to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

As a condition of employment with Freedom Credit Union, I understand I must:

• Provide verification of my identity and authorization to work in the United States of America according to the provisions of the Immigration Reform and Control Act of 1986.

You must agree to the disclosure statement provided in order for us to accept your application.

You will receive confirmation after we have received your application.

Primary Summary:

Under general supervision of the Commercial Credit Manager, and in accordance with established policies and procedures, performs annual reviews and maintains tracking on all Member Business Loans; assists with credit analysis as needed.

Essential Functions/Position Responsibilities:

  • Perform annual reviews for existing Member Business Loans which includes a thorough financial, cash flow, ratio and trend analysis based on updated financial information.

  • Affirm collateral adequacy:  consideration of asset availability,

  • Validate that loans are in compliance with existing covenants,

  • Make recommendations to the Commercial Credit Manager on viability and risk of the relationship; affirm risk rating.

  • Prepare an objective and comprehensive written presentation which includes an assessment of the strengths and weaknesses of a credit relationship while adhering to Member Business Loan Policy standards.

  • Order Real Estate appraisal reports and Environmental reports for Member Business Loans when necessary.

  • Maintains the tracking of bids and receipt of final reports, familiarity with real estate appraisal and environmental regulations.

  • Spread financial statements.

  • Assist Commercial Credit Manager with the financial analysis of new loan requests as needed.

  • Assist with portfolio tracking systems as needed.


  • Position Requirements:

  • BS degree in business or related field preferred,

  • Minimum of 1 year of relevant experience,

  • Understanding of accounting principles,

  • Knowledge of business and personal financial statements,

  • Ability to use Microsoft Word and Excel extensively,

  • Strong written and oral communication skills required,

  • Organizational skills/ability to prioritize and handle a multitude of responsibilities, meet deadlines, 

  •  Proficiency in financial analysis software.

Location: Springfield, MA
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