Credit Analyst II

Chemung Canal Trust Com • Williamsville, NY

5h • $26 - $43

About The Position

Evaluates the financial condition of individuals and businesses applying for credit with the financial institution.

Requirements

• Bachelor’s degree in finance, accounting, or business-related field.
• Strong financial analytical abilities and writing skills; specialized financial analysis and collateral documentation training
• Three (3) to five (5) years’ experience in related positions normally required
• Demonstrated proficiency in Microsoft Word, Excel and PowerPoint; Knowledge of Sageworks system preferred
• Ability to work in a fast- paced environment while maintaining a high degree of accuracy.
• Ability to travel to client locations; Valid Driver’s License required

Nice To Haves

• Knowledge of Sageworks system preferred

Responsibilities

• Analyzes data on new, renewal and existing mid-sized C&I and CRE loans, including data provided by financial statements, credit bureaus, other financial institutions, interviews, and financial institution files.
• Prepares spreadsheets, reports, summaries, and written analysis for financial institution officers on new, renewal and existing commercial, industrial, and real estate loans regarding short and long-run prospects including risk identification and recommendations for approval/enhancement of loan proposal; may make recommendations of loan grade for loan review.
• Prepares and reviews financial information files to generate current credit reports, statements, accounts receivable and other information on customer accounts; provides thorough documentation of all financial analysis work, including ratios and other related information; Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.
• Supports commercial lenders in loan request discussions and attending client calls/participant bank meeting.
• Assists in the training of Credit Analysts I in both Commercial and Business Banking underwriting/analysis.
• Reviews all Business Banking credit analysis performed by Credit Analyst I for accuracy and completeness before final review by Deputy Credit Officer
• Provides secondary support for the SBA initiative by facilitating the process through E-Tran
• Prepares reports to management and loan committees; Reviews monthly and quarterly reports, as needed.
• Establishes, reviews and updates new and existing loan files for the financial institution on a regular basis.
• Conforms to General Performance Expectations as identified for all employees.

Benefits

• Profit Sharing/401K Plan
• Health, Dental & Vision Insurance
• Tuition Reimbursement
• Paid time off
• Employee Assistance Program

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 101-250 employees