Senior Commercial Credit Analyst

Rhinebeck Bank•Poughkeepsie, NY

51d

About The Position

The Senior Commercial Credit Analyst position has primary responsibility of underwriting leveraged loans, underwriting the larger and most complex requests for commercial loans, commercial lines of credit, commercial time notes and commercial mortgages as well as managing the leveraged loan portfolio. The Sr. Commercial Credit Analyst will also be responsible to underwrite credit cards. Essential Job Functions: Underwriting loans according to the Banks credit policy and making recommendations for approval or declination. Thorough analysis, presentation, and recommendation of loan requests to approving authorities. Underwriting leveraged loans and managing the review process for leveraged loans. May be granted lending authority and may be eligible for Officer level titles as determined by Senior Management. Assists in reviewing the Banks policies effecting commercial lending (Commercial Credit Policy, Lending Limits Policy, etc.), and departmental procedures. Responsible for scheduling and assigning monthly renewals to the analyst team. Assist the VP, Credit Administration Manager and AVP, Commercial Credit and Portfolio Management in preparing weekly, monthly and quarterly reports as needed. May be asked to assist with any underwriting software administrative/technical issues and utilization as well as other technology utilized by the Department. Responsible for assisting management with the training of department interns and new staff. Efficient interaction with external and internal customers, accountants and other centers of influence. Knowledgeable of bank and commercial lending processes, departmental information systems and software and applicable legal, compliance, and Federal and State regulatory requirements. Competence in the Microsoft Office suite, primarily Outlook, Excel and Word.

Requirements

BA/BS degree in Business Administration, Finance or Accounting and a minimum of 3 to 5 years of commercial credit experience.
Should have strong knowledge of the banks credit policy, goals and expectations, and Federal and State banking regulations.
Require a solid understanding of accounting practices, financial statements/tax returns and an ability to identify risk.

Nice To Haves

An MBA is preferred.

Responsibilities

Underwriting loans according to the Banks credit policy and making recommendations for approval or declination.
Thorough analysis, presentation, and recommendation of loan requests to approving authorities.
Underwriting leveraged loans and managing the review process for leveraged loans.
May be granted lending authority and may be eligible for Officer level titles as determined by Senior Management.
Assists in reviewing the Banks policies effecting commercial lending (Commercial Credit Policy, Lending Limits Policy, etc.), and departmental procedures.
Responsible for scheduling and assigning monthly renewals to the analyst team.
Assist the VP, Credit Administration Manager and AVP, Commercial Credit and Portfolio Management in preparing weekly, monthly and quarterly reports as needed.
May be asked to assist with any underwriting software administrative/technical issues and utilization as well as other technology utilized by the Department.
Responsible for assisting management with the training of department interns and new staff.
Efficient interaction with external and internal customers, accountants and other centers of influence.
Knowledgeable of bank and commercial lending processes, departmental information systems and software and applicable legal, compliance, and Federal and State regulatory requirements.
Competence in the Microsoft Office suite, primarily Outlook, Excel and Word.