Senior Commercial Credit Analyst - Growth & Risk Leader

The Upstate National Bank; City of Rochester (NY); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Medical, Dental & Vision

Holidays & PTO

401k match

Life Insurance

Education support

Job summary

Upstate National Bank in Rochester, NY is seeking a Sr Commercial Credit Analyst to assess creditworthiness of borrowers and guarantors, analyze financial data, and support loan decisions.

The role requires reviewing financial statements, tax returns, cash flow projections, and maintaining compliance with Commercial Credit Policy. Office-based in Rochester.

Ideal candidates hold a finance or accounting degree with at least four years of experience in financial analysis or banking.

Qualifications

• Bachelor’s degree in finance or accounting.
• Four or more years of financial analysis or banking experience.
• Strong verbal and written communication skills.

Responsibilities

• Analyze and underwrite new and existing loans.
• Prepare credit approval summaries and risk ratings.
• Review credit applications, tax returns, and financial statements.
• Collect and maintain financial information for annual reviews.
• Collaborate with relationship managers to determine borrower creditworthiness.
• Monitor loan performance and collateral value.

Skills

Financial analysis

Credit risk analysis

Team collaboration

Verbal & written communication

Education

Bachelor's degree in finance or accounting

Tools

Jack Henry

Moody’s

Baker Hill

Excel

Word

Job description

Upstate National Bank in Rochester, NY is seeking a Sr Commercial Credit Analyst to assess creditworthiness of borrowers and guarantors, analyze financial data, and support loan decisions.

The role requires reviewing financial statements, tax returns, cash flow projections, and maintaining compliance with Commercial Credit Policy. Office-based in Rochester.

Ideal candidates hold a finance or accounting degree with at least four years of experience in financial analysis or banking.