Credit Analyst I

C&N; Wellsboro (Tioga County); On-site; USD 55,000 - 70,000; Full time

Benefits offered by this job

Paid Time Off

401(k) with match

Health & Wellness benefits

Job summary

C&N is seeking a Credit Analyst I to support commercial lending and Credit Administration by analyzing financial information and informing lending decisions.

The role includes reviewing statements, researching borrowers, preparing credit materials, and performing annual reviews to assess credit risk.

Qualifications

• Bachelor's degree in Accounting, Finance, or a directly related field.
• AND less than a year of previous related experience and/or training OR an equivalent combination of education and experience.

Responsibilities

• Financial Analysis: Spread, review, and analyze financial statements and supporting information for borrowers.
• Credit Analysis & Approval: Prepare credit documents by analyzing financial information and presenting key considerations.
• Credit Research: Gather credit information from reports and industry sources to support underwriting.
• Portfolio Review & Risk: Perform annual reviews and understand the risk-rating system for relationships.
• Credit Administration Support: Assist with reporting and processes alongside Relationship Managers and Credit Officers.

Skills

Attention to Detail

Critical Thinking

Strong Research Skills

Financial Analysis

Knowledge of Accounting Standards

Problem Solving

Analytical Skills

Organization & Time Management

Strong Communication

Collaboration & Teamwork

Education

Bachelor's Degree in Accounting or Finance

Job description

Who are we?

For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily.

From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need.

At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated.

Who are you?

You’re analytical, detail-oriented, and ready to put your finance or accounting knowledge to work. At C&N, we’re seeking a Credit Analyst I to support our commercial lending and Credit Administration teams by analyzing financial information and helping inform sound lending decisions.

In this role, you’ll review financial statements, research borrowers and industries, prepare credit approval documents, complete annual reviews, and develop an understanding of commercial credit risk. If you enjoy working with numbers, digging into financial information, and solving problems—and you’re looking for an opportunity to build a strong foundation in commercial lending—this could be a great opportunity for you.

You will be responsible for:

• Financial Analysis: Spread, review, and analyze financial statements and supporting information for existing and prospective commercial borrowers while ensuring requests are completed accurately and timely.
• Credit Analysis & Approval: Prepare credit approval documents for new, renewed, and extended loans by analyzing financial information and clearly presenting the strengths, weaknesses, and other relevant considerations of each credit request.
• Credit Research: Research available credit and financial information, including credit reports, industry trends, Risk Management Association resources, and other sources to support the underwriting process.
• Portfolio Review & Risk: Prepare annual reviews of borrowing relationships and develop an understanding of C&N’s risk-rating system while providing input on assigned risk ratings and potential changes.
• Credit Administration Support: Assist with Credit Administration reporting, including the Bank’s quarterly watch list process, while collaborating with Relationship Managers, Credit Officers, and other partners throughout the credit process.

Requirements:

Education & Experience – You will need a Bachelor's Degree in Accounting, Finance, or a directly related field AND less than a year of previous related experience and/or training OR an equivalent combination of education and experience. Skills – You should possess well-developed abilities and a proven track record in the following areas:

• Attention to Detail
• Critical Thinking
• Strong Research Skills
• Financial Analysis
• Knowledge of Accounting Standards
• Problem Solving
• Analytical Skills
• Organization & Time Management
• Ability to Manage High Volumes
• Strong Communication
• Collaboration & Teamwork
• Experience Working with Tax Returns (helpful)

Key Competencies –

The combination of skills, behaviors, and attributes required to perform effectively in a role and achieve organizational goals include:

• Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.
• Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
• Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations.
• Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.
• Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes.

Why C&N?

At C&N, we’re more than just a team – we’re a community working together toward a shared mission: the success of our customers, teammates, shareholders, and communities.

• Achieve & Grow: Your success is our success. At C&N, you’ll grow alongside our customers as we work together to achieve meaningful goals.
• Learn & Develop: Collaboration is at the heart of what we do. You’ll learn from and with your teammates, fostering both personal and professional growth.
• Contribute & Be Rewarded: Your contributions make a difference, and we recognize your impact through competitive rewards and career advancement opportunities.
• Share & Celebrate: Together, we give back and celebrate the milestones that matter to our communities.

We’re proud of our award-winning workplace culture, recognized repeatedly with the NBRI Circle of Excellence Award. At C&N, we live our values every day, creating a supportive, inclusive, and dynamic environment where you can thrive.

Comprehensive Benefits for Your Success:

At C&N, we offer more than just a competitive salary – our robust benefits package is designed to support your well-being, career growth, and work-life balance. Highlights include:

• Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.
• Retirement Savings: 401(k) with pre‑tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
• Health & Wellness:
  • Health, dental, and vision coverage, including employer‑paid premium options for employee-only coverage.
  • Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.
  • Employer‑paid life and disability insurance.
  • Additional voluntary coverages to meet your unique needs.
• Career Development: Access to education and development programs and ongoing support for personal and professional growth.

With C&N, you can customize your benefits to fit your life while growing your career in a supportive and rewarding environment.