Senior Credit Analyst - C&I

ConnectOne Bank; Melville (NY); Hybrid; USD 120,000 - 135,000; Full time

Benefits offered by this job

Health benefits start day one

401k with employer match

Hybrid work from home

Job summary

ConnectOne Bank in Melville, NY seeks a Senior Credit Analyst to underwrite and analyze the creditworthiness of new loan proposals and existing credits, protecting asset quality.

You will prepare financial analyses, risk ratings, and loan recommendations, while supporting loan officers and mentoring junior staff in a collaborative, client‑focused environment. Hybrid work options are available.

Qualifications

• Strong credit analysis and underwriting skills.
• Knowledge of federal and state banking regulations.
• Working knowledge of basic accounting principles and credit concepts.
• Experience with C&I credit and loan structures.

Responsibilities

• Support the Bank’s People First focus and professionalism in client service.
• Prepare credit analyses for loan requests, including financial statement analysis and risk rating recommendations.
• Provide written recommendations on loan approvals or alternate structures.
• Develop financial statement spreadsheets to evaluate ratios and financial status.
• Assist loan officers and portfolio managers with annual loan reviews; mentor junior analysts.

Skills

Credit analysis

Underwriting

Regulations knowledge

Accounting basics

Credit training

C&I credit experience

Loan structures knowledge

People First

Tools

nCino platform

Job description

About us

ConnectOne Bank proves that putting people first is a better way to do business. At ConnectOne, we’re builders — of businesses, communities, and equity. Most importantly, we’re building opportunities. Our mission is to ensure our employees feel empowered to make important decisions, reach their potential and truly make an impact. ConnectOne is a growth organization by design; it is part of our DNA and we take pride in seeing our employees grow with us. Founded in 2005 by an entrepreneur, we have grown into a high-performing commercial bank, inspiring a new model for our industry’s future. By embracing technology and all the ways it can help us become a world-class service organization, we support small business owners by fueling their mission. People First is the blueprint for our culture. It is at the foundation of everything we do and the decisions we make. At ConnectOne, you have the opportunity to be a part of a dynamic culture and team. Develop your forward-thinking skills, thrive in an entrepreneurial setting, and succeed at “a better place to be”. ConnectOne Bank is an Equal Housing and Equal Opportunity Lender, and a member of the Federal Deposit Insurance Corporation.

Job Type

Full-time

About this role

The Senior Credit Analyst is responsible for the written analysis and underwriting of the credit worthiness of new loan proposals as well as existing loans, identifying credit policy exceptions and other credit issues in order to identify and protect the asset quality of the Bank’s commercial loans.

In this role you will

• Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB “A Better Place to Be”.
• Prepare credit analyses for loan requests including financial statement analysis, collateral analysis (including third party reports), risk rating recommendations, trend analysis, and identifying the proposed credit’s strengths and weaknesses.
• Prepare written recommendations as to whether proposed loans should be approved as presented; or provide alternate loan structure recommendations as appropriate.
• Prepare financial statement spreadsheets which include a measurement of various financial ratio trends to evaluate financial status.
• Assist the Commercial Loan Officers and Portfolio Managers with the completion of annual loan reviews, as required.
• Mentor and guide Credit Analysts and Junior Credit Analysts.
• Assist in the annual financial statement follow-up to borrowers; track and monitor the Bank’s receipt of this information.
• Order flood search as appropriate.

Must haves

• Strong “People First” interest and ability.
• Knowledge of relevant Federal and State banking regulations.
• Working knowledge of basic accounting principles and credit concepts.
• Credit training.
• C&I credit experience.
• Basic knowledge of loan types and loan structures.

Bonus Points For

• Working knowledge of the nCino platform is preferred.

Benefits

• World class health, vision, and dental benefits on day one
• 401k with employer match
• Hybrid work from home (depending on role)
• Employee appreciation events (team building, softball games, food truck days, etc..)
• Employee assistance programs (EAP)
• Wellness programs (flu shot, preventive care, health programs and services discounts, etc..)
• Tuition reimbursement
• Employee Discount perks
• CNOB Community Service Events

…and much, much more!

Studies have shown that individuals from underrepresented groups, may only apply to roles if they meet 100% of the qualifications. Roles evolve over time, especially with innovation, and you may be just the person we need. We hope you're open to learning new skills and growing with us. ConnectOne Bank is an equal opportunity employer and does not discriminate with respect to any term, condition or privilege of employment based on race, color, religion, sex, sexual orientation, gender identity or expression, age, disability, military or veteran status, marital status, or status of an individual in any group or class protected by applicable federal, state, or local law. ConnectOne Bank also provides reasonable accommodations for qualified individuals with disabilities in accordance with the Americans with Disabilities Act and applicable state and local laws. If an accommodation is needed to participate in the job application or interview process, please contact Talent Acquisition.

Salary Description

$120,000-$135,000