Credit Analyst II

NBT Bank

Credit Analyst II conducting financial analysis on borrowers' financial conditions at NBT Bank. Preparing written analysis and underwriting exhibits to support loan approvals.

Posted 6/3/2026full-timeNorwich • Connecticut, New York • 🇺🇸 United StatesJuniorMid-Level💰 $31 - $41 per hourWebsite

About the role

Key responsibilities & impact

Completes customer due diligence and analyzes borrower’s industry and company financial information with oversight.
Prepares spreads, written analysis and supporting underwriting exhibits, providing a comprehensive financial analysis of the borrower and guarantor’s financial condition to approving officers.
Approvals will include documenting repayment capacity, industry comparisons and projections analysis when necessary.
Independent analysis and production of both commercial C&I and CRE customers.
On occasion, joins credit officers and commercial banking officers on client calls.
Analyst will complete annual reviews with larger exposures and complexity levels to maintain asset quality.

Requirements

What you’ll need

Bachelor’s Degree with a degree in accounting or finance preferred.
Equivalent education and 2+ years as a Commercial Credit Analyst or similar credit/underwriting/financial services position experience are also acceptable.
RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing Personal Finance Statement and Tax Returns, Cash Flow Analysis – UCA Fundamentals, Commercial Real Estate Lending, Accounting and Ratio Analysis, The Business of Commercial Banking, Ethics and Decision Making, Borrower Analysis: Qualitative Factors, Balance Sheet Analysis, Income Statement Analysis, Combined Balance Sheet and Income Statement Analysis or other trainings through American Institute of Banking are a plus.
Strong working knowledge and understanding of traditional financial analysis with the ability to interpret data while researching, analyzing and drawing conclusions.
Ability to read loan documentation, understand loan structures and read/understand financial statements along with having a financial wellness acumen.
Ability to maintain a strong knowledge of loan policy and procedures.
Ability to identify key trends during analysis and maintain critical thinking.
Ability to use a loan origination system/spreading software.
Strong organizational, time management and prioritization skills with attention to detail.
Excellent verbal, written, and interpersonal communication skills with strong presentation skills.
Ability to make decisions effectively and handle conflict resolution with confidence.
Team player able to work effectively in a team fostered, multi-tasking environment while developing, nurturing and leveraging relationships, both externally and internally, to accomplish results.
Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook and experience in loan origination systems is a plus.

Benefits

Comp & perks

Generous Paid Time Off : At least 22 days annually, prorated in the year of hire.
Parental Leave : Six weeks of paid leave at 100% of your salary.
Comprehensive Medical Coverage : Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage : Ensuring your overall health and well-being.
Flexible Spending Accounts : For healthcare and dependent care expenses.
Employer-Paid Disability Coverage : Both short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance : Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary Benefits : Including hospital, accident, and critical illness coverage.
Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
Adoption Assistance : Supporting your growing family.
Tuition Reimbursement : Invest in your education and career growth.
Employee Assistance Program (EAP) : Access to support and resources.
Pet Insurance : For all your furry friends.
Financial and Banking Services : Various banking services benefits and financial planning assistance.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

financial analysiscommercial credit analysisunderwritingcash flow analysisbalance sheet analysisincome statement analysisloan documentationloan structuresfinancial statement interpretationcredit risk assessment

Soft Skills

critical thinkingdecision makingconflict resolutionorganizational skillstime managementattention to detailinterpersonal communicationpresentation skillsteam collaborationrelationship management

Certifications

Bachelor’s Degree in AccountingBachelor’s Degree in FinanceRMA CoursesAmerican Institute of Banking training