Commercial Credit Officer

Are you a seasoned commercial credit professional who thrives on analyzing complex financial structures, managing developing talent, and influencing high‑level credit decisions? Monson Savings Bank is seeking an accomplished Commercial Credit Officer to join our Commercial Lending team and contribute to maintaining the financial integrity of our commercial portfolio. The Commercial Credit Officer will play a central role in shaping credit quality and underwriting excellence.

Some of the position responsibilities include

• Serve as a subject‑matter expert for underwriting complex commercial real estate and commercial and industrial loan transactions.
• Analyze intricate financial statements, cash flows, market factors, and borrower performance to assess creditworthiness and risk.
• Provide training, development and direction to the Sr. Commercial Credit Analyst.
• Prepare clear, objective credit analyses for lending officers, senior management, and Board‑level discussions.
• Assist with loan review exams, regulatory audits, and appraisal management processes.
• Perform ongoing credit monitoring, including covenant testing, trend analysis, and annual reviews.
• Support the development and enhancement of credit policies, procedures, and models.
• Collaborate with lenders and may accompany them on business calls to strengthen customer relationships.
• Participate in presentations before the Board of Investment as needed.

This role is ideal for a commercial credit professional who enjoys both analytical depth and strategic involvement.

This Exempt, Full-time position works within the Loan & Operations Center located at 75 Post Office Park, Wilbraham, MA, with potential for future hybrid/remote work option. Regular in-office presence is required.

Salary Range: $90,000 - $115,000

We’re looking for a business professional with:

• Bachelor’s degree in finance, accounting, business, or related field.
• Minimum 7 years of experience in credit analysis, underwriting, or credit review.
• Advanced knowledge of Commercial & Industrial underwriting.
• Strong command of accounting, financial analysis, economic trends, and risk assessment.
• Proven supervisory/leadership experience.
• Excellent written and verbal communication skills, including the ability to produce high‑quality technical reports.
• Proficiency with Microsoft Office, including advanced Excel skills.
• A collaborative approach, strong organization skills, and the ability to manage multiple priorities.
• A commitment to confidentiality, regulatory compliance, and professional integrity.

Benefits of working for a local community bank include paid time off, 401(k) with company match, suite of insurance benefits including medical, dental and more! This is a great opportunity to join a successful, local bank that has a rich history of investing in employees and local communities for more than 150 years!

Monson Savings Bank is an Equal Opportunity Employer to all protected groups, including protected veterans and individuals with disabilities.

Reasonable accommodation may be made to enable qualified individuals with disabilities to perform the essential position functions.

Join our growing and dynamic team! We are a successful community bank dedicated to our customers, associates and communities!