Credit Analyst

Responsibilities

• 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 weaknesses 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.

Qualifications

• 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.

Benefits

• Medical
• Dental
• Vision
• 401(k) Match
• Profit Sharing
• Paid Time Off
• 11 Holidays
• Tuition Reimbursement
• Free Parking throughout Tompkins Community Bank
• Employee Referrals

Pay

USD $40.00 - USD $55.00 /Hr.