Commercial Credit Analyst

Ballston Spa National Bank • Ballston Spa, NY

3d

About The Position

BSNB is seeking a Commercial Credit Analyst to support its commercial lending team. The role involves reviewing financial information, assessing the creditworthiness of commercial borrowers, and assisting with loan recommendations. The analyst works closely with lending professionals to support sound credit decisions and maintain a strong loan portfolio.

Requirements

• Bachelor's degree in Finance, Accounting, Business, or a related field.
• Strong understanding of commercial financial statements and cash flow analysis.
• Excellent analytical and critical thinking skills.
• High level of accuracy and attention to detail.
• Ability to manage multiple deadlines and priorities.
• Strong written and verbal communication skills.

Nice To Haves

• A minimum of five years of commercial credit analysis experience is preferred.

Responsibilities

• Analyze business financial statements.
• Assess borrower risk profiles.
• Prepare credit presentations and recommendations.
• Support commercial lending decisions.
• Review loan documentation.
• Monitor portfolio quality.

Benefits

• Medical, dental, and vision coverage.
• Company-paid life insurance and voluntary insurances.
• 401(k) plan with a company match and a pension plan.
• Tuition reimbursement.
• Generous paid time off package and 11 paid holidays.
• Professional development.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level