Credit Analyst III

Who are we?

For over 160 years, C&N has shared the values of our communities, local families and businesses, our employees, and our shareholders. Living our values every day is what makes us different from other banks - teamwork, excellence, respect, responsibility & accountability, integrity, and having fun. From partnering closely with our customers and clients to help them identify and reach their life goals, to supporting our communities through our Giving Back, Giving Together initiative and making the best decisions for the long term of our shareholders, C&N is committed to being the only financial institution that our customers will ever need.

Who are you?

You are someone with outstanding commercial awareness and thrive in autonomous roles. Does this sound like you? If so, our Credit Analyst position could be the perfect opportunity As a Credit Analyst, your responsibilities would include conducting credit investigations and analyzing credit information of larger and more complex loan requests. This position will also prepare credit approval documents for presentation to loan officers and/or committees. If you want to join a motivated team, C&N is a great place to grow your career

You will be responsible for:

1. Detailed research, financial spreading, extensions, and credit analysis of credit requests for larger and more complex existing and prospective borrowers.
2. Preparing loan approvals, annual reviews, and conducting credit analysis for new requests, in addition to modifications and extensions of existing loans.
3. Investigating all available sources of credit and financial information, including report services, credit bureaus, industry trends, and other companies.
4. Preparing annual reviews on borrowing relationships in accordance with C&N Bank's loan policy.
5. Serving as a senior-level Credit Administration resource.
6. Assisting in the assignment of risk ratings.
7. Calling on existing and potential borrowers with lenders to solicit new loan and deposit relationships or to monitor the borrower's ongoing creditworthiness.

Requirements:

You will need a Bachelor's degree in Accounting, Finance, or a directly related field AND 6-8 years of previous related experience and/or training OR an equivalent combination of education and experience.

You will demonstrate well-developed abilities and/or a proven record of success in the following areas:

• Developed analytical and critical thinking skills with the ability to identify strengths and mitigate risks.
• Excellent organizational skills and attention to detail.
• Proficient in conducting thorough research.
• Effective verbal and written communication skills.
• Knowledgeable of accounting standards and experience working with tax returns.
• Managerial skills.

Why C&N?

C&N is a team - people working together for a common goal - the success of our customers.

You will achieve & grow along with C&N customers,

You will develop & learn along with your teammates,

You will contribute & be rewarded along with our shareholders,

And you will share & celebrate along with our communities.

C&N's a total rewards package and a collaborative and supportive culture. The C&N workplace culture has been a repeat recipient of the NBRI Circle of Excellence award, acknowledging a strong culture created by our team for living our values every day.

In combination with a competitive salary, C&N also has a robust benefit offering, including:

• Paid Time Off (vacation, personal, and sick, family sick, and community service)
• 401(k) - pretax and ROTH eligible contributions with a safe harbor match
• Employee Stock Ownership Plan
• Health, dental, and vision coverage (including options that are 100% employer-paid for employee-only coverage)
• Health Savings Account
• Flexible Spending Accounts - Medical and Dependent
• Employer Paid Life Insurance
• Employer Paid Disability Coverage
• Many more voluntary coverages to customize around your needs
• Education and development programs including Tuition Reimbursement
• Support for personal and professional development

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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