Credit Analyst

Ballston Spa National Bank•Town of Milton, NY

14d•$56,000 - $85,000

About The Position

Invest in your future with BSNB! Are you looking to advance your Credit career with a nationally recognized community bank that is named one of the Best Places to Work? Ballston Spa National Bank (BSNB) is looking to hire a Credit Analyst to join our Credit Administration Team. A DAY IN THE LIFE OF THE CREDIT ANALYST: As a Credit Analyst, you will be responsible for underwriting loan requests and assessing credit risk by utilizing the client's business plan, financial statements, and related materials provided in conformity with standard financial reporting requirements and BSNB's lending policies. You will work closely with BSNB's Commercial Lending team and communicate with clients to obtain such materials in preparation of loan approval memoranda and credit file updates. In addition, you will be responsible for construction loan monitoring and appraisal reviews.

Requirements

Minimum of 5 years' Commercial Credit Analyst experience
Highest levels of customer service and follow-through
Proven track record of process analysis
Proactive approach to problem solving
Good analytical skills
High level of attention to detail
Bachelor's degree in Business, Finance or related field required

Responsibilities

Underwriting loan requests
Assessing credit risk by utilizing the client's business plan, financial statements, and related materials provided in conformity with standard financial reporting requirements and BSNB's lending policies
Working closely with BSNB's Commercial Lending team
Communicating with clients to obtain necessary materials for loan approval memoranda and credit file updates
Construction loan monitoring
Appraisal reviews