Credit Analyst

Berkshire Bank • Lake Mohegan, NY

17d • $64,000 - $103,000 • Onsite

About The Position

Primary responsibilities include analyzing and underwriting credit requests
for Bank prospects and customers and to maintain and monitor loans within the
portfolio under the supervision of lending officers.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties
may be assigned.

Requirements

• Bachelor’s Degree in Business, Finance, Accounting, Economics, or equivalent work experience
• A minimum of (2) years of commercial credit experience
• Excellent written and oral communication skills
• Excellent interpersonal skills and a team orientation
• Excellent critical/analytic thinking skills
• Self-driven and highly accountable
• Ability to multi-task on several responsibilities effectively and meeting all expected deadlines and expectations set by the loan team or your manager.
• Understanding of Banking compliance requirements
• Be well versed in the Bank’s credit policy and underwriting standards
• Position requires computer familiarity in Windows operating environment using MS Office applications, excel, e-mail and internet programs and the aptitude to adjust to new software as required.
• Valid Driver’s License

Responsibilities

• Analyze and underwrite credit requests in a timely fashion by using some or all of the following resources: applications, spreads, financial statements, tax returns, credit bureaus, meetings with customers/prospects, appraisals, web research and other resources as necessary.
• Discuss deal structure, cash flow, collateral, and customer calls and interact extensively with customers in person and over the phone.
• Present analysis in written proposals for appropriate approvals and present as directed to the appropriate approval authority.
• Accompany RM on customer calls and interact with customers, in person and over the phone as directed by lender.
• Interact with financial professionals including CPA’s, CFO’s, listing agents, brokers, appraisers, etc. as needed to assist in the underwriting of credit memos and other tasks for the department.
• Prepares loan memorandums.
• Conducts market surveys through contact with brokers, online research, etc.

What This Job Offers

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