Senior Credit Analyst

Tompkins Community Bank•City of Batavia, NY

About The Position

Responsible for providing credit and financial analysis support to the commercial lending function as well as the credit administration function. The position will require active participation in new credit requests, loan reviews and credit discussions with stakeholders. The ideal candidate will be responsive to loan officers and other loan staff throughout due diligence, approval process, and continued portfolio monitoring.

Requirements

Bachelor’s Degree in Business, Accounting, Finance, or other related field.
Minimum of two (2) years’ banking or related field experience.
Excellent verbal and written communication.
Working knowledge of computer systems, including Microsoft Excel, Microsoft Word and Abrigo software.
Current knowledge of techniques necessary to analyze business financial conditions including an acute awareness of the implications that financial and non-financial factors can have in assessing a borrower’s ability to service debt obligations.
Excellent organizational skills with the ability to work independently and prioritize.

Responsibilities

Develop credit and financial analysis support to the commercial lending function and credit administration.
Determine what financial documents and information are needed for a complete understanding of requests.
Review and analyze financial statements and personal/corporate tax returns.
Research debt and deposit relationships from all internal bank systems.
Spread financials to generate common sized reports, financial ratios and trend reports.
Prepare in-depth cash flow analysis of companies and individuals.
Analyze collateral value through use of receivables aging, real estate appraisals, etc.
Identify strengths and weakness of credit analyzed.
Recommend or assign and substantiate appropriate risk rating to each credit.
Prepare and present an accurate summary analysis, recommend loan structure, and summarize borrower’s creditworthiness.
Review collateral and supporting documents for completeness and accuracy.
Become familiar with characteristics of various industries and business structures and sustain continual research.
Understand and evaluate residential and commercial real estate appraisals, including use of a fair capitalization rate.
Become familiar with commercial loan policy manual, apply policies and report policy exceptions.
Become familiar with the Uniform Commercial Code and other loan documentation related to lien perfection and protection of Company’s collateral.
Review credit memos to review credit migration and to track and monitor exceptions to bank policy manual.
Provide analytical support to various departments throughout the Company, as needed.
Comply with established operating policies and procedures in order to maintain adequate controls and to support the Company's adherence to outside regulatory requirements.
Respect highly sensitive nature of position and treats all information in a confidential manner.