Onsite Credit Analyst III

Posted 15 hours ago

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About the role

  • Credit Analyst III analyzing borrower’s industry information and financial condition for NBT Bank. Completing due diligence and preparing comprehensive financial analysis documents with limited oversite.

Responsibilities

  • Completes customer due diligence and analyzes borrower’s industry and company financial information with limited oversite.
  • Prepares spreads, written analysis and underwriting documents providing a comprehensive financial analysis of the borrower and guarantor’s financial condition documenting repayment capacity, including industry comparisons, economic factors and projections.
  • Utilizes enhanced cash flows, leverage ratio’s and can complete analysis on complex borrower structures when necessary.
  • Joins credit officers and commercial banking officers on client and prospect calls in multiple markets.
  • Analyst may assist Credit Team Leader in providing trainings to junior analysts.
  • Analyst may complete or captain special projects if needed.
  • Analyst will complete annual reviews with the largest exposures and complexity levels to maintain asset quality.

Requirements

  • Bachelor’s Degree with a degree in accounting or finance preferred.
  • Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable.
  • RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing Personal Finance Statement and Tax Returns, Cash Flow Analysis – UCA Fundamentals, Commercial Real Estate Lending, Accounting and Ratio Analysis, The Business of Commercial Banking, Ethics and Decision Making, Borrower Analysis: Qualitative Factors, Balance Sheet Analysis, Income Statement Analysis, Combined Balance Sheet and Income Statement Analysis or other trainings through American Institute of Banking are a plus.
  • RMA or Credit Risk certifications and/or Sales Training Established Individual Development Plan.

Benefits

  • Generous Paid Time Off : At least 22 days annually, prorated in the year of hire.
  • Parental Leave : Six weeks of paid leave at 100% of your salary.
  • Comprehensive Medical Coverage : Includes employer contributions to HSA for High Deductible Health Plan participants.
  • Dental and Vision Coverage : Ensuring your overall health and well-being.
  • Flexible Spending Accounts : For healthcare and dependent care expenses.
  • Employer-Paid Disability Coverage : Both short-term and long-term, with an option to purchase additional long-term coverage.
  • Life Insurance : Employer-paid basic life insurance, with an option to purchase supplemental coverage.
  • Voluntary Benefits : Including hospital, accident, and critical illness coverage.
  • Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
  • Adoption Assistance : Supporting your growing family.
  • Tuition Reimbursement : Invest in your education and career growth.
  • Employee Assistance Program (EAP) : Access to support and resources.
  • Pet Insurance : For all your furry friends.
  • Financial and Banking Services : Various banking services benefits and financial planning assistance.

Job title

Credit Analyst III

Job type

Experience level

Mid levelSenior

Salary

$71,823 - $95,780 per year

Degree requirement

Bachelor's Degree

Location requirements

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