Credit Analyst II: Shape Mid‑Size Loan Decisions

Capital Bank; City of Albany (NY); On-site; USD 35,817 - 58,961; Full time

Benefits offered by this job

Profit Sharing/401K Plan

Tuition Reimbursement

Paid time off

Employee Assistance Program

Job summary

A well-established community bank in Albany, NY is seeking a skilled Credit Analyst II to evaluate the financial condition of individuals and businesses applying for credit. The role includes analyzing loan data, preparing financial reports, and supporting commercial lenders. Candidates should possess strong financial analytical abilities, a Bachelor's degree in finance or related field, and 3-5 years of relevant experience. A favorable salary range of $26.00 to $42.80 hourly and benefits such as profit sharing and tuition reimbursement are offered.

Qualifications

• 3-5 years of experience in related positions.
• Ability to work in a fast-paced environment while maintaining accuracy.
• Valid driver’s license required for client travel.

Responsibilities

• Evaluates the financial condition of individuals and businesses applying for credit.
• Analyzes data on mid-sized C&I and CRE loans.
• Prepares detailed reports and analysis for loan approvals.

Skills

Financial analytical abilities

Writing skills

Microsoft Word

Microsoft Excel

Microsoft PowerPoint

Sageworks system knowledge

Education

Bachelor’s degree in finance, accounting, or business-related field

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Credit Analyst II

Credit Department Regular Full-Time Professional Albany, NY, US

30+ days ago Requisition ID: 2390

Salary Range: $26.00 To $42.80 Hourly

Build your future with us.

At the heart of our success is a team of passionate, skilled, and dedicated individuals. We’re on the lookout for people who thrive on delivering exceptional customer service and building lasting client relationships. Our culture is built to attract top talent, celebrate performance, and fuel professional growth.

As a proud community bank, we believe in giving back to the neighborhoods we serve. Supporting local events and organizations across our 14-county footprint isn’t just something we do, it’s who we are. It’s our way of saying thank you to the people who make this region an incredible place to live, work, and grow.

Interested in making a difference while building a rewarding career?

We invite you to review the job description below and apply today. We look forward to learning more about you.

Together, we build something amazing—and we support you with benefits such as:

• Profit Sharing/401K Plan
• Tuition Reimbursement
• Paid time off
• Employee Assistance Program

…and more!

Job Title: Credit Analyst II

Here’s how you’ll make an impact

Evaluates the financial condition of individuals and businesses applying for credit with the financial institution.

• Analyzes data on new, renewal and existing mid-sized C&I and CRE loans, including data provided by financial statements, credit bureaus, other financial institutions, interviews, and financial institution files.
• Prepares spreadsheets, reports, summaries, and written analysis for financial institution officers on new, renewal and existing commercial, industrial, and real estate loans regarding short and long-run prospects including risk identification and recommendations for approval/enhancement of loan proposal; may make recommendations of loan grade for loan review.
• Prepares and reviews financial information files to generate current credit reports, statements, accounts receivable and other information on customer accounts; provides thorough documentation of all financial analysis work, including ratios and other related information; Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.
• Supports commercial lenders in loan request discussions and attending client calls/participant bank meeting.
• Assists in the training of Credit Analysts I in both Commercial and Business Banking underwriting/analysis.
• Reviews all Business Banking credit analysis performed by Credit Analyst I for accuracy and completeness before final review by Deputy Credit Officer
• Provides secondary support for the SBA initiative by facilitating the process through E-Tran
• Prepares reports to management and loan committees; Reviews monthly and quarterly reports, as needed .
• Establishes, reviews and updates new and existing loan files for the financial institution on a regular basis.
• Conforms to General Performance Expectations as identified for all employees.

Qualifications/Requirements:

• Bachelor’s degree in finance, accounting, or business-related field.
• Strong financial analytical abilities and writing skills; specialized financial analysis and collateral documentation training
• Three (3) to five (5) years’ experience in related positions normally required
• Demonstrated proficiency in Microsoft Word, Excel and PowerPoint; Knowledge of Sageworks system preferred
• Ability to work in a fast - paced environment while maintaining a high degree of accuracy.
• Ability to travel to client locations; Valid Driver’s License required

Salary Range $26 to $42.80 Hourly

Compensation offers are based on a wide range of factors including relevant skills, training, experience, education and, where applicable, licenses or certifications obtained. Market and organizational factors are also considered. Along with a competitive compensation program please visit the benefits section of our Careers page to view available benefits.

Chemung Canal Trust Company/Capital Bank/Canal Bank fosters a diverse and inclusive culture where employees are able to succeed to their full potential. EEO/AA Including Veterans and Disabled.