Commercial Analyst Jobs in Massachusetts
Commercial Analyst jobs in Massachusetts are in strong demand, with openings concentrated in financial services, life sciences, energy, and healthcare across a range from entry-level through senior and principal roles. Boston, Cambridge, and Worcester are the primary hiring centers, anchored by employers such as Liberty Mutual, Eversource Energy, and Biogen, which maintain large commercial and pricing functions in the state. The most sought-after specialties in Massachusetts are pricing strategy, contract performance analysis, and commercial operations within regulated industries. Find a role that fits below and apply directly.
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Showing 5 of 16+ Commercial Analyst jobs
Are you a commercial credit professional who enjoys looking beyond the numbers?
SCU Credit Union is looking for a Commercial Credit Analyst to join our Commercial Lending team. This is an exciting opportunity for a detail-oriented, analytical professional who understands that great lending decisions require more than spreadsheets—they require sound judgment, curiosity, and the ability to understand the story behind a business.
In this role, you will independently analyze commercial real estate, commercial & industrial, and construction loan opportunities, as well as existing commercial relationships. You will evaluate financial performance, cash flow, collateral, guarantor strength, industry conditions, and overall risk to help SCU make well-informed lending decisions.
You’ll be an important partner to our Commercial Lending and Business Development teams, providing objective credit analysis and recommendations while helping maintain the strength and quality of SCU’s commercial loan portfolio.
What You'll Do
Analyze & Evaluate Credit
- Review commercial loan applications, financial statements, tax returns, projections, personal financial statements, and other supporting documentation.
- Spread and analyze financial information and identify historical trends, strengths, weaknesses, and emerging risks.
- Evaluate borrower repayment capacity, cash flow, collateral adequacy, guarantor strength, industry risk, and proposed loan structure.
- Perform ratio, trend, and comparative analysis to assess financial condition and creditworthiness.
- Develop independent risk-rating opinions and make sound, judgment-based credit recommendations.
- Approve loans within established lending authority.
Prepare Strong Credit Recommendations
- Prepare comprehensive yet concise credit memorandums for new loans, renewals, modifications, extensions, annual reviews, and other credit decisions.
- Clearly communicate the strengths, weaknesses, risks, and mitigating factors associated with each credit relationship.
- Recommend appropriate loan structures and strategies to improve or strengthen commercial relationships.
- Participate in the preparation and review of commitment letters and related loan documentation.
Manage Portfolio Risk
- Conduct annual reviews of commercial loan relationships, including analysis of financial performance, collateral, guarantors, and overall relationship risk.
- Monitor portfolio performance and identify early warning signs, including late payments and changes in borrower financial condition.
- Recommend appropriate risk-rating changes when warranted.
- Review appraisals, environmental reports, post-closing documentation, and other credit-related materials.
Partner Across the Organization
- Work closely with Commercial Lending Officers and Business Development Officers to obtain information and clarify credit issues.
- Provide objective credit insight while supporting the goals of the Commercial Lending team.
- Research economic conditions, industry trends, regulatory developments, and business information that may affect borrower and portfolio risk.
- Assist with special projects and other initiatives within the Commercial Lending Division.
Disclaimer: The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.
SUPERVISORY RESPONSIBILITIES: NONE
Requirements:
What We're Looking For
We’re looking for someone who combines strong analytical skills with sound business judgment and can confidently communicate a credit decision.
Required Qualifications:
- Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or a related field.
- Minimum of two years of commercial banking experience, which may include business banking, middle-market banking, commercial banking, commercial credit, or credit/risk oversight.
- Formal training or experience in commercial credit analysis and loan review.
- Strong understanding of commercial lending policies, credit standards, loan operations, and regulatory requirements.
- Excellent financial analysis, mathematics, written communication, and verbal communication skills.
- Strong attention to detail with the ability to manage multiple priorities and meet deadlines.
- Ability to work independently and exercise sound judgment.
- Strong organizational, problem-solving, interpersonal, and relationship-management skills.
- Intermediate proficiency with Microsoft Office and spreadsheet/database applications.
Preferred Qualifications:
- Experience with Abrigo/Sageworks and Jack Henry.
- Understanding of SBA 7(a), Express, and/or 504 loan programs.
- Experience analyzing commercial real estate, C&I, and construction lending.
- Experience with portfolio monitoring, risk ratings, and annual commercial loan reviews.
Compliance & Professional Development
As a member of SCU’s Commercial Lending team, you will maintain current knowledge of commercial lending practices, credit standards, loan products, and applicable regulations.
You will be expected to comply with all applicable federal and state laws, regulations, credit union policies, and training requirements, including applicable requirements related to BSA/AML, Fair Lending, ECOA, FCRA, Fair Housing, HMDA, CRA, OFAC, Regulation O, and the Flood Disaster Protection Act.
SCU supports continual professional development through industry seminars, webinars, training programs, and other learning opportunities.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate. Remote or Hybrid Remote schedule possible
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel, reach with hands and arms; and talk or hear. The employee is occasionally required to stand and walk. The employee must regularly lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, peripheral vision, and ability to adjust focus.
______________________________________________________________________________________________________________
The pay range for this position is $72,000 to $85,000 per year and is the lowest to highest salary we in good faith believe we would pay for this role at the time of this posting. The range may be modified in the future. An employee’s pay within the salary range will be based on several factors including, but not limited to, relevant education, qualifications, certifications, experience, sales or revenue-based metrics, and business or organizational needs and affordability.
SCUCU is an equal employment opportunity employer.
Are you a commercial credit professional who enjoys looking beyond the numbers?
SCU Credit Union is looking for a Commercial Credit Analyst to join our Commercial Lending team. This is an exciting opportunity for a detail-oriented, analytical professional who understands that great lending decisions require more than spreadsheets—they require sound judgment, curiosity, and the ability to understand the story behind a business.
In this role, you will independently analyze commercial real estate, commercial & industrial, and construction loan opportunities, as well as existing commercial relationships. You will evaluate financial performance, cash flow, collateral, guarantor strength, industry conditions, and overall risk to help SCU make well-informed lending decisions.
You’ll be an important partner to our Commercial Lending and Business Development teams, providing objective credit analysis and recommendations while helping maintain the strength and quality of SCU’s commercial loan portfolio.
What You'll Do
Analyze & Evaluate Credit
- Review commercial loan applications, financial statements, tax returns, projections, personal financial statements, and other supporting documentation.
- Spread and analyze financial information and identify historical trends, strengths, weaknesses, and emerging risks.
- Evaluate borrower repayment capacity, cash flow, collateral adequacy, guarantor strength, industry risk, and proposed loan structure.
- Perform ratio, trend, and comparative analysis to assess financial condition and creditworthiness.
- Develop independent risk-rating opinions and make sound, judgment-based credit recommendations.
- Approve loans within established lending authority.
Prepare Strong Credit Recommendations
- Prepare comprehensive yet concise credit memorandums for new loans, renewals, modifications, extensions, annual reviews, and other credit decisions.
- Clearly communicate the strengths, weaknesses, risks, and mitigating factors associated with each credit relationship.
- Recommend appropriate loan structures and strategies to improve or strengthen commercial relationships.
- Participate in the preparation and review of commitment letters and related loan documentation.
Manage Portfolio Risk
- Conduct annual reviews of commercial loan relationships, including analysis of financial performance, collateral, guarantors, and overall relationship risk.
- Monitor portfolio performance and identify early warning signs, including late payments and changes in borrower financial condition.
- Recommend appropriate risk-rating changes when warranted.
- Review appraisals, environmental reports, post-closing documentation, and other credit-related materials.
Partner Across the Organization
- Work closely with Commercial Lending Officers and Business Development Officers to obtain information and clarify credit issues.
- Provide objective credit insight while supporting the goals of the Commercial Lending team.
- Research economic conditions, industry trends, regulatory developments, and business information that may affect borrower and portfolio risk.
- Assist with special projects and other initiatives within the Commercial Lending Division.
Disclaimer: The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.
SUPERVISORY RESPONSIBILITIES: NONE
Requirements:
What We're Looking For
We’re looking for someone who combines strong analytical skills with sound business judgment and can confidently communicate a credit decision.
Required Qualifications:
- Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or a related field.
- Minimum of two years of commercial banking experience, which may include business banking, middle-market banking, commercial banking, commercial credit, or credit/risk oversight.
- Formal training or experience in commercial credit analysis and loan review.
- Strong understanding of commercial lending policies, credit standards, loan operations, and regulatory requirements.
- Excellent financial analysis, mathematics, written communication, and verbal communication skills.
- Strong attention to detail with the ability to manage multiple priorities and meet deadlines.
- Ability to work independently and exercise sound judgment.
- Strong organizational, problem-solving, interpersonal, and relationship-management skills.
- Intermediate proficiency with Microsoft Office and spreadsheet/database applications.
Preferred Qualifications:
- Experience with Abrigo/Sageworks and Jack Henry.
- Understanding of SBA 7(a), Express, and/or 504 loan programs.
- Experience analyzing commercial real estate, C&I, and construction lending.
- Experience with portfolio monitoring, risk ratings, and annual commercial loan reviews.
Compliance & Professional Development
As a member of SCU’s Commercial Lending team, you will maintain current knowledge of commercial lending practices, credit standards, loan products, and applicable regulations.
You will be expected to comply with all applicable federal and state laws, regulations, credit union policies, and training requirements, including applicable requirements related to BSA/AML, Fair Lending, ECOA, FCRA, Fair Housing, HMDA, CRA, OFAC, Regulation O, and the Flood Disaster Protection Act.
SCU supports continual professional development through industry seminars, webinars, training programs, and other learning opportunities.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate. Remote or Hybrid Remote schedule possible
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel, reach with hands and arms; and talk or hear. The employee is occasionally required to stand and walk. The employee must regularly lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, peripheral vision, and ability to adjust focus.
______________________________________________________________________________________________________________
The pay range for this position is $72,000 to $85,000 per year and is the lowest to highest salary we in good faith believe we would pay for this role at the time of this posting. The range may be modified in the future. An employee’s pay within the salary range will be based on several factors including, but not limited to, relevant education, qualifications, certifications, experience, sales or revenue-based metrics, and business or organizational needs and affordability.
SCUCU is an equal employment opportunity employer.
See All 16 Commercial Analyst Jobs in Massachusetts
Find roles in Massachusetts that match your experience and apply in just a few clicks.
Find Commercial Analyst JobsCommercial Analyst Jobs by City in Massachusetts
Where Massachusetts roles are concentrated, by current openings.
Commercial Analyst Job Market in Massachusetts
A snapshot from current Massachusetts openings, updated as new roles post.
Who's Hiring
What Massachusetts Employers Look For
The qualifications that appear most often in commercial analyst jobs across Massachusetts.
- Bachelor's degree in business, finance, economics, or a closely related field
- Proficiency in Excel and data visualization tools such as Tableau or Power BI
- Experience with pricing models, contract analysis, or revenue performance reporting
- Strong written and verbal communication skills for cross-functional stakeholder work
- Familiarity with ERP or CRM platforms such as SAP, Salesforce, or Oracle
- Ability to translate complex data findings into clear recommendations for leadership
Commercial Analyst Jobs in Massachusetts: Frequently Asked Questions
How do you become a commercial analyst in Massachusetts?
The most direct path is a bachelor's degree in business, finance, economics, or a related field followed by a role in financial analysis, sales operations, or pricing. Massachusetts does not require a state-issued license for commercial analysts, but employers in regulated sectors such as insurance or energy may expect familiarity with industry-specific compliance frameworks. Building proficiency in data tools and earning a credential such as the CFA or a Microsoft data certification strengthens candidacy with Boston-area employers.
Which companies hire commercial analysts in Massachusetts?
Employers hiring commercial analysts in Massachusetts right now include Whoop, Wayfair, and Bose, based on current listings on Migrate Mate as of October 2026. Massachusetts's deep concentration of financial services firms, large health systems, and regulated energy utilities means consistent commercial analyst demand beyond the Boston core, including suburban campuses in the greater Route 128 corridor.
Which Massachusetts cities have the most commercial analyst jobs?
Boston, Acton, and Needham account for the most commercial analyst openings in Massachusetts. Boston dominates because of its density of financial services headquarters, life sciences companies, and large hospital systems, while Cambridge draws demand from biotech and technology firms, and Worcester's growing healthcare and manufacturing base supports a steady share of commercial operations roles.
Are there remote commercial analyst jobs in Massachusetts?
Yes, and more than most fields. Commercial analyst work is largely desk-based and data-driven, making it well suited to remote and hybrid arrangements. About 67% of commercial analyst openings tied to Massachusetts are remote or hybrid as of October 2026, reflecting employer flexibility on the role's location requirements. Pricing strategy and contract performance analysis tend to be the sub-areas most frequently offered as fully remote positions.
How can I get hired as a commercial analyst in Massachusetts with little or no experience?
The most realistic entry point is a business or finance analyst role within a large Massachusetts employer's rotational or associate program, such as those run by Liberty Mutual, Eversource Energy, or major health systems like Mass General Brigham. Lateral moves from sales operations coordinator, financial analyst, or business intelligence associate roles are common. Building a portfolio of pricing or data analysis projects and earning a Microsoft Power BI or Excel certification gives candidates a concrete edge when applying to entry-level commercial analyst postings in the state.
Where can I find and apply to commercial analyst jobs in Massachusetts?
You can find and apply to commercial analyst jobs in Massachusetts on Migrate Mate, which lists current openings across the state. Search the listings for roles that match your experience level, preferred location, and industry, then apply directly to the ones that fit.
See All 16 Commercial Analyst Jobs in Massachusetts
Find roles in Massachusetts that match your experience and apply in just a few clicks.
Find Commercial Analyst Jobs