Credit Analyst III

NBT Bank

Credit Analyst III handling financial analysis of borrowers and guarantors at NBT Bank. Preparing underwriting documents and client reports while collaborating with credit officers and analysts.

Posted 7/3/2026full-timeNorwich • Connecticut, New York • 🇺🇸 United StatesMid-LevelSenior💰 $71,823 - $95,780 per yearWebsite

About the role

Key responsibilities & impact

Completes customer due diligence and analyzes borrower’s industry and company financial information with limited oversight.
Prepares spreads, written analysis and underwriting documents providing a comprehensive financial analysis of the borrower and guarantor’s financial condition documenting repayment capacity, including industry comparisons, economic factors and projections.
Utilizes enhanced cash flows, leverage ratios and can complete analysis on complex borrower structures when necessary.
Joins credit officers and commercial banking officers on client and prospect calls in multiple markets.
Analyst may assist Credit Team Leader in providing trainings to junior analysts.
Analyst may complete or captain special projects if needed.
Analyst will complete annual reviews with the largest 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 3-4+ years as a Commercial Credit Analyst or comparable 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.
Leadership programs for coaching, mentoring, self awareness, etc. RMA or Credit Risk certifications and/or Sales Training Established Individual Development Plan.

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.

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Applicant Tracking System Keywords

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Hard Skills & Tools

Financial AnalysisCash Flow AnalysisLeverage RatiosUnderwriting DocumentationBorrower AssessmentIndustry ComparisonsEconomic ProjectionsBalance Sheet AnalysisIncome Statement AnalysisComplex Borrower Structures

Soft Skills

LeadershipCoachingMentoringCommunicationSelf Awareness

Certifications

RMA CertificationCredit Risk Certification