Senior Credit Analyst

2 days ago


Dewitt NY USA, United States Community Bank NA Full time
About the Role

We are seeking a highly skilled Credit Risk Review Officer 3 to join our team at Community Bank NA. As a key member of our financial services team, you will be responsible for performing a variety of duties relating to the loan review function in order to assist in the ongoing management of credit risk.

Key Responsibilities
  • Conduct Thorough Credit Reviews: Analyze adherence to loan policy and procedure, credit quality collateral valuation, accuracy of core operating system as it relates to loan structure/pricing, and loan documentation.
  • Review and Critique Loan Portfolios: Independently review, risk grade and critique the Bank's commercial loan portfolios as they relate to the Bank's risk rating system, banking industry best practices and the Bank's risk appetite.
  • Generate Loan Review Work Papers: Create a Loan Review work paper as a result of the duties outlined above as well as other reports as needed to fully analyze each credit assigned in the portfolio.
  • Meet Production Requirements: Be capable of working with minimal supervision while meeting established production requirements and review schedule deadlines.
  • Communicate with Stakeholders: Be comfortable discussing issues, criticisms, and conclusions with lenders and management as well as defending risk rating conclusions to Bank's regulators.
Requirements
  • Education: BS or BA degree in a business related field of study (e.g., Finance, Management, Economics, Accounting) required.
  • Experience: A minimum of five (5) years of commercial credit experience and ten (10) years of combined commercial lending, commercial credit, special assets, and/or loan review experience required.
  • Skills: Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations and communication skills; a thorough knowledge of current bank lending principles, policies, and practices; knowledge of all types of lending and loan products; proficient financial statement analysis skills; knowledge of current lending and collection laws and regulations; proficiency in Personal Computer programs such as Microsoft Word and Excel.
What We Offer
  • Competitive Compensation: Commensurate with experience plus potential for annual merit increase.
  • Benefits: 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts.


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