Senior Credit Analyst

2 weeks ago


Saratoga Springs, New York, United States Adirondack Trust Company Full time

{"h1": "Senior Credit Analyst", "p": "We are seeking a seasoned commercial credit analyst to join our team at Adirondack Trust Company. As a Senior Credit Analyst, you will be responsible for underwriting and monitoring large and/or more complicated commercial loan relationships. You will prepare loan portfolio management reports, perform various administration duties, and meet with Commercial Loan Officers to discuss issues and ask questions.", "ul": [{"li": "Prepares credit approval memorandums for larger and more complicated commercial loan relationships, analyzing their financial statements, business, cash flow capacity, collateral, adherence to loan policy, etc."}, {"li": "Spreads more complicated commercial borrowers\u2019 business/personal financial statements on the bank\u2019s standard spreading software and according to established Bank procedures."}, {"li": "Performs analysis of a guarantor\u2019s financial position to develop an understanding of any contingent liabilities and cash flow."}, {"li": "Completes annual reviews of assigned commercial loan relationships to ensure current information in credit file and accurate risk ratings."}, {"li": "Performs real estate appraisal reviews with supervision."}, {"li": "Develops written analysis of the Company\u2019s vendors/municipalities."}, {"li": "Participates in special projects/duties as assigned."}, {"li": "Attends training as needed."}], "h2": "Qualifications", "ul": [{"li": "4-Year College degree (two semesters of accounting preferred), or equivalent combination of course work and work experience."}, {"li": "5 - 7 years Commercial Credit/Lending experience."}, {"li": "Strong communication, written and analytical skills"}, {"li": "Strong PC Skills (Spreadsheet and Word Processing)"}, {"li": "Good interpersonal skills and customer service skills, and a team orientation."}, {"li": "Must be able to work with minimal supervision and under deadlines, and able to prioritize effectively."}, {"li": "Ability to multi-task and prioritize conflicting demands."}], "h3": "Equal Opportunity Employer", "p": "Adirondack Trust Company is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religious creed, sex, transgender status, gender identity, gender dysphoria, sexual orientation, national origin, physical or mental disability, protected veteran status, marital and familial status, domestic violence victim status, known relationship or association with any member of a protected class or other characteristics protected by applicable law."}



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