Commercial Services - Senior Commercial Credit Analyst

We’re looking for a Senior Commercial Credit Analyst to support the evaluation and underwriting complex commercial loan requests. This role partners closely with lenders and leadership to assess risk, structure deals, and support portfolio performance. You’ll play a key role in high-impact credit decisions while also mentoring junior team members and contributing to a collaborative, high-performing credit team.   Responsibilities: Analyze and underwrite complex commercial loan requests across C&I, construction, and commercial real estate portfolios Review financial statements, tax returns, cash flow, collateral, and industry trends to assess overall credit risk Partner with lenders to develop clear, well-supported loan presentations and recommendations Conduct annual reviews, renewals, modifications, and risk rating assessments for existing credit relationships Identify potential risks and recommend appropriate credit structures and mitigating strategies Collaborate with internal stakeholders and third-party partners (e.g., appraisers, environmental professionals) as part of the due diligence process Participate in borrower meetings alongside Relationship Managers to gain insight into business operations and management teams Provide guidance and mentorship to junior analysts, supporting development and consistency across the team Requirements Bachelor’s degree or equivalent combination of education and experience 4+ years of commercial credit or lending experience Strong experience analyzing C&I, construction, and commercial real estate transactions Excellent analytical, financial modeling, and research skills Strong attention to detail with the ability to produce accurate, thorough work Ability to manage multiple priorities, meet deadlines, and work independently Strong written and verbal communication skills with the ability to clearly present complex analysis Proficiency in Excel and familiarity with loan systems (Loan Vantage or similar preferred) Ability to exercise sound judgement and make informed credit recommendations High level of professionalism and ability to maintain confidentiality of sensitive information   Compensation Disclosure: $ 96,645 – $130,755 The salary range listed gives a general idea of what we expect to offer. We consider your experience, unique strengths, and the impact you’re likely to make in the role. On top of that, we offer a competitive benefits package and other perks that round out the total compensation.   Why Join our team: Comprehensive Benefits: Health, Dental, and Vision coverage for employees working minimum of 20 hours/week; Metro provides assistance toward premiums and copaysSales Incentives; annual retention bonus vesting program Three weeks paid vacation; 11 paid holidays 401(k) with matching plan & safe harbor plan – allowing every employee to save for retirement.  Metro contributes 3% regardless of employee’s contribution Wellness Incentives; Employee Assistance Program; Flexible Spending Account; Health Savings Account; Prescription Drug program and range of voluntary benefits (LTD, STD, AD&D); access to no-interest loans; $150/Quarter reimbursements for wellness and lifestyle expenses  Discounts on Pet Insurance Strong growth opportunities with development plans and position-related or job-related tuition assistance to help you attain your long-term career goals Growing, dynamic environment - no day is ever the same and join an exceptional team of co-workers Exceptional training program (classroom, on-the-job, and mentoring) Stable and growing organization     Metro Credit Union is the largest state-chartered credit union in Massachusetts, with $3.2 billion in assets. Metro provides a full range of financial products to more than 200,000 members in Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester counties in Massachusetts, and Cheshire, Hillsborough, Merrimack, Rockingham, and Strafford counties in New Hampshire. Metro is the credit union of choice for employees at over 1,200 companies through its Metro@work program.   Founded in 1926, Metro currently operates branch offices in Boston, Burlington, Chelsea, Dorchester, Framingham, Lawrence, Lynn, Medford, Melrose, Newton, Peabody, Reading, Salem, Tewksbury, and West Roxbury. Metro is also a Juntos Avanzamos (“Together We Advance”) designated credit union, an honor given to financial institutions for their commitment to serving and empowering Hispanic and immigrant consumers. Metro was recently named among the most charitable companies in Massachusetts by the Boston Business Journal; voted Top Credit Union in Banker & Tradesman’s Best of 2025 awards; and recognized as one of America’s Best Regional Banks and Credit Unions in 2025 by Newsweek. Learn more at MetroCU.org.