Credit Analyst I

C&N • Charleston Township, PA

6d • Onsite

About The Position

C&N is seeking a Credit Analyst I to support its commercial lending and Credit Administration teams. This role involves analyzing financial information to inform sound lending decisions. The Credit Analyst I will review financial statements, research borrowers and industries, prepare credit approval documents, complete annual reviews, and develop an understanding of commercial credit risk. This position is ideal for someone who enjoys working with numbers, analyzing financial data, and solving problems, and is looking to build a strong foundation in commercial lending.

Requirements

• Bachelor's Degree in Accounting, Finance, or a directly related field AND less than a year of previous related experience and/or training OR an equivalent combination of education and experience.
• Well-developed abilities and a proven track record in Attention to Detail.
• Well-developed abilities and a proven track record in Critical Thinking.
• Well-developed abilities and a proven track record in Strong Research Skills.
• Well-developed abilities and a proven track record in Financial Analysis.
• Well-developed abilities and a proven track record in Knowledge of Accounting Standards.
• Well-developed abilities and a proven track record in Problem Solving.
• Well-developed abilities and a proven track record in Analytical Skills.
• Well-developed abilities and a proven track record in Organization & Time Management.
• Well-developed abilities and a proven track record in Ability to Manage High Volumes.
• Well-developed abilities and a proven track record in Strong Communication.
• Well-developed abilities and a proven track record in Collaboration & Teamwork.

Nice To Haves

• Experience Working with Tax Returns

Responsibilities

• Spread, review, and analyze financial statements and supporting information for existing and prospective commercial borrowers while ensuring requests are completed accurately and timely.
• Prepare credit approval documents for new, renewed, and extended loans by analyzing financial information and clearly presenting the strengths, weaknesses, and other relevant considerations of each credit request.
• Research available credit and financial information, including credit reports, industry trends, Risk Management Association resources, and other sources to support the underwriting process.
• Prepare annual reviews of borrowing relationships and develop an understanding of C&N’s risk-rating system while providing input on assigned risk ratings and potential changes.
• Assist with Credit Administration reporting, including the Bank’s quarterly watch list process, while collaborating with Relationship Managers, Credit Officers, and other partners throughout the credit process.

Benefits

• Generous vacation, personal, sick, family sick, and community service leave.
• 401(k) with pre-tax and ROTH contribution options and a safe harbor match.
• Employee Stock Ownership Plan (ESOP).
• Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.
• Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.
• Employer-paid life and disability insurance.
• Additional voluntary coverages to meet your unique needs.
• Access to education and development programs and ongoing support for personal and professional growth.

What This Job Offers

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