Commercial Credit Analyst

Ballston Spa National Bank • Town of Milton, NY

1d • $56,000 - $85,000

About The Position

BSNB is seeking a Commercial Credit Analyst to support its commercial lending team. The analyst reviews financial information, assesses borrower creditworthiness, and assists with loan recommendations for commercial borrowers. The role 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 insurance.
• Company-paid life insurance and voluntary insurance options.
• 401(k) plan with company match.
• Pension plan.
• Tuition reimbursement.
• Paid time off.
• 11 paid holidays.
• Professional development opportunities.

What This Job Offers

• Job Type: Full-time