Credit Analyst I
NBT Bank
full-time
Posted on:
Location Type: Office
Location: Norwich • New York • 🇺🇸 United States
Visit company websiteSalary
💰 $26 - $35 per hour
Job Level
Mid-LevelSenior
About the role
- Analyzes corporate financial statements including audited, review level as well as corporate tax returns.
- Analyst will spread financial statements, borrowing base spreads and assist with covenant management.
- Analyst will complete written analysis on relationships with smaller commercial and agricultural exposures.
- Analyst will complete annual reviews varying in smaller exposures and complexity level to maintain asset quality.
- In this role the employee will assist with administrative reporting for officers loan committee, credit risk committee and various other meetings.
- Analyst will shadow seasoned analysts and officers on a regular basis to enhance skills.
Requirements
- Bachelor’s Degree with a degree in accounting or finance preferred.
- Equivalent education and commercial banking experience are also acceptable.
- RMA Courses such as (not required all but a plus) 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
- Ability to interpret data while researching, analyzing and drawing conclusions
- Ability to read and begin to understand loan documentation, loan structures, financial statements along with having a financial wellness acumen
- Ability to maintain a strong knowledge of loan policy and procedures
- 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
- Team player able to work effectively in a team fostered, multi-tasking environment
- Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook
Benefits
- 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.
- Financial and Banking Services : Various benefits and financial planning assistance .
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
financial statement analysisborrowing base spreadscovenant managementloan documentation interpretationfinancial wellness acumenloan policy knowledgeaccountingratio analysisbalance sheet analysisincome statement analysis
Soft skills
organizational skillstime managementprioritization skillsattention to detailverbal communicationwritten communicationinterpersonal communicationpresentation skillsdecision makingconflict resolution
Certifications
Bachelor’s Degree in AccountingBachelor’s Degree in FinanceRMA Courses