Senior Credit Analyst

18 hours ago


Saratoga Springs, New York, United States Adirondack Trust Company Full time
Job Title: Senior Credit Analyst

At Adirondack Trust Company, we are seeking a seasoned commercial credit analyst to join our team. As a Senior Credit Analyst, you will be responsible for underwriting and monitoring large and/or complicated commercial loan relationships.

Key Responsibilities:

  • Prepare credit approval memorandums for larger and more complicated commercial loan relationships, analyzing financial statements, business, cash flow capacity, collateral, and adherence to loan policy.
  • Perform analysis of guarantor's financial position to develop an understanding of contingent liabilities and cash flow.
  • Complete annual reviews of assigned commercial loan relationships to ensure current information in credit file and accurate risk ratings.
  • Develop written analysis of Company's vendors/municipalities.
  • Participate in special projects/duties as assigned.

Requirements:

  • 4-Year College degree (two semesters of accounting preferred), or equivalent combination of course work and work experience.
  • 5 - 7 years Commercial Credit/Lending experience.
  • Strong communication, written and analytical skills.
  • Strong PC Skills (Spreadsheet and Word Processing).
  • Good interpersonal skills and customer service skills, and a team orientation.
  • Ability to work with minimal supervision and under deadlines, and able to prioritize effectively.

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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