Senior Commercial Credit Analyst

Community Bank, N.A.; City of Albany (NY); Sur place; USD 75 000 - 110 000; Plein temps

Résumé du poste

Community Bank, N.A. is seeking a Credit Analyst III to analyze and underwrite complex commercial loan relationships with independence, while escalating to senior staff as needed.

You will prepare detailed credit memos, assess cash flow, and monitor covenant compliance to support sound credit decisions. The role emphasizes risk awareness, documentation, and adherence to policy, with opportunities to contribute to credit strategy and professional development within a collaborative banking

Qualifications

• BS or BA in Finance, Accounting, Business Administration, Economics or related field.
• Specialized education in credit analysis and commercial lending.
• Strong financial statement analysis and loan structuring knowledge.
• Proficient reading, writing, grammar and mathematics; excellent interpersonal skills.

Responsabilités

• Independently analyze and underwrite complex commercial credit relationships.
• Prepare comprehensive, well-documented credit memoranda for new requests and renewals.
• Perform advanced financial analysis including global cash flow and trend assessment.
• Identify risks and recommend appropriate loan structures and covenants.

Formation

BS or BA in Finance

Outils

Microsoft Excel

Microsoft Word

Description du poste

Community Bank, N.A. is seeking a Credit Analyst III to analyze and underwrite complex commercial loan relationships with independence, while escalating to senior staff as needed.

You will prepare detailed credit memos, assess cash flow, and monitor covenant compliance to support sound credit decisions. The role emphasizes risk awareness, documentation, and adherence to policy, with opportunities to contribute to credit strategy and professional development within a collaborative banking