Credit Analyst I
C&N · Wellsboro, PA · 1 mo ago
On-siteFinanceFull-time
We need to output HTML fragment with sections: About the role? Actually we have "Who are we?" and "Who are you?" and description. We need to use for section headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must include sections only when posting has real specific content. We have content about role (description), responsibilities (list of duties), requirements (education & experience, skills, key competencies). Benefits section present. Pay and Schedule not present, so omit. Also maybe "Qualifications" could be combined with Requirements? But we can use Requirements heading for education/experience, Skills heading for skills list, maybe Qualifications heading for key competencies? However instructions: Use headings for those specific labels. We should map content accordingly.
We have:
- About the role: could be the introductory paragraphs describing role and company? The "Who are we?" and "What sets us apart" etc. But we need to avoid repeating job title as heading. We can have
for section headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must include sections only when posting has real specific content. We have content about role (description), responsibilities (list of duties), requirements (education & experience, skills, key competencies). Benefits section present. Pay and Schedule not present, so omit. Also maybe "Qualifications" could be combined with Requirements? But we can use Requirements heading for education/experience, Skills heading for skills list, maybe Qualifications heading for key competencies? However instructions: Use headings for those specific labels. We should map content accordingly.
We have:
- About the role: could be the introductory paragraphs describing role and company? The "Who are we?" and "What sets us apart" etc. But we need to avoid repeating job title as heading. We can have About the role
with prose summarizing role and company.
- Responsibilities: list of duties (Financial Analysis, Credit Analysis & Approval, Credit Research, Portfolio Review & Risk, Credit Administration Support). Use - .
- Requirements: education & experience (Bachelor's Degree...). Use
maybe? But they said use
- for any list of duties/requirements/benefits. Requirements is a list? It's a paragraph but could be considered list? We'll use
for prose. However they said use
- for any list of duties/requirements/benefits. So for requirements we could make a list: Education & Experience, Skills, Key Competencies? But they have separate headings for Skills and Qualifications. So Requirements heading likely for education & experience only. We'll output
for that prose.
- Skills heading: list of skills (Attention to Detail, Critical Thinking, Strong Research Skills, Financial Analysis, Knowledge of Accounting Standards, Problem Solving, Analytical Skills, Organization & Time Management, Ability to Manage High Volumes, Strong Communication, Collaboration & Teamwork, Experience Working with Tax Returns (helpful)). Use
- .
- Qualifications heading: maybe key competencies? Could be Qualifications. We'll put key competencies list under
Qualifications
with - .
- Benefits heading: list of benefits highlights. Use
- .
We must not include Pay or Schedule.
We must not include boilerplate like EEO etc. Already removed.
We must preserve all substantive information; not invent or summarize away detail. Must not omit details.
Let's extract details precisely.
Company description: "For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily. From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need. At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated."
That's about the company; we can put under About the role.
Role description: "Who are you? You’re analytical, detail-oriented, and ready to put your finance or accounting knowledge to work. At C&N, we’re seeking a Credit Analyst I to support our commercial lending and Credit Administration teams by analyzing financial information and helping inform sound lending decisions. In this role, you’ll review financial statements, research borrowers and industries, prepare credit approval documents, complete annual reviews, and develop an understanding of commercial credit risk. If you enjoy working with numbers, digging into financial information, and solving problems—and you’re looking for an opportunity to build a strong foundation in commercial lending—this could be a great opportunity for you."
We can incorporate that into About the role or maybe a separate section? But we only have headings defined; we can include that prose under About the role as well.
Responsibilities list:
- Financial Analysis: Spread, review, and analyze financial statements and supporting information for existing and prospective commercial borrowers while ensuring requests are completed accurately and timely.
- Credit Analysis & Approval: Prepare credit approval documents for new, renewed, and extended loans by analyzing financial information and clearly presenting the strengths, weaknesses, and other relevant considerations of each credit request.
- Credit Research: Research available credit and financial information, including credit reports, industry trends, Risk Management Association resources, and other sources to support the underwriting process.
- Portfolio Review & Risk: Prepare annual reviews of borrowing relationships and develop an understanding of C&N’s risk-rating system while providing input on assigned risk ratings and potential changes.
- Credit Administration Support: Assist with Credit Administration reporting, including the Bank’s quarterly watch list process, while collaborating with Relationship Managers, Credit Officers, and other partners throughout the credit process.
Requirements (Education & Experience): "Education & Experience – You will need a Bachelor's Degree in Accounting, Finance, or a directly related field AND less than a year of previous related experience and/or training OR an equivalent combination of education and experience."
Skills list: "Attention to Detail Critical Thinking Strong Research Skills Financial Analysis Knowledge of Accounting Standards Problem Solving Analytical Skills Organization & Time Management Ability to Manage High Volumes Strong Communication Collaboration & Teamwork Experience Working with Tax Returns (helpful)". Note they are separated by spaces; we need to split into items. We'll list each.
Key Competencies list: "Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations.Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes."
We need to keep the colon and description as part of each item.
Benefits list: "Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).Health & Wellness:Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.Employer-paid life and disability insurance.Additional voluntary coverages to meet your unique needs.Career Development: Access to education and development programs and ongoing support for personal and professional growth."
We need to split into items by the periods? Actually each benefit heading ends with colon then description. We'll keep each as list item.
Now produce HTML.
We must not include any extra text outside HTML. No markdown fences.
Let's craft:
About the role
For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily. From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need. At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated. Who are you? You’re analytical, detail-oriented, and ready to put your finance or accounting knowledge to work. At C&N, we’re seeking a Credit Analyst I to support our commercial lending and Credit Administration teams by analyzing financial information and helping inform sound lending decisions. In this role, you’ll review financial statements, research borrowers and industries, prepare credit approval documents, complete annual reviews, and develop an understanding of commercial credit risk. If you enjoy working with numbers, digging into financial information, and solving problems—and you’re looking for an opportunity to build a strong foundation in commercial lending—this could be a great opportunity for you.
Responsibilities
- Financial Analysis: Spread, review, and analyze financial statements and supporting information for existing and prospective commercial borrowers while ensuring requests are completed accurately and timely.
- Credit Analysis & Approval: Prepare credit approval documents for new, renewed, and extended loans by analyzing financial information and clearly presenting the strengths, weaknesses, and other relevant considerations of each credit request.
- Credit Research: Research available credit and financial information, including credit reports, industry trends, Risk Management Association resources, and other sources to support the underwriting process.
- Portfolio Review & Risk: Prepare annual reviews of borrowing relationships and develop an understanding of C&N’s risk-rating system while providing input on assigned risk ratings and potential changes.
- Credit Administration Support: Assist with Credit Administration reporting, including the Bank’s quarterly watch list process, while collaborating with Relationship Managers, Credit Officers, and other partners throughout the credit process.
Requirements
Education & Experience – You will need a Bachelor's Degree in Accounting, Finance, or a directly related field AND less than a year of previous related experience and/or training OR an equivalent combination of education and experience.
Skills
- Attention to Detail
- Critical Thinking
- Strong Research Skills
- Financial Analysis
- Knowledge of Accounting Standards
- Problem Solving
- Analytical Skills
- Organization & Time Management
- Ability to Manage High Volumes
- Strong Communication
- Collaboration & Teamwork
- Experience Working with Tax Returns (helpful)
Qualifications
- Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.
- Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
- Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations.
- Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.
- Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes.
Benefits
- Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.
- Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
- Health & Wellness: Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.
maybe? But they said use
- for any list of duties/requirements/benefits. Requirements is a list? It's a paragraph but could be considered list? We'll use
for prose. However they said use
- for any list of duties/requirements/benefits. So for requirements we could make a list: Education & Experience, Skills, Key Competencies? But they have separate headings for Skills and Qualifications. So Requirements heading likely for education & experience only. We'll output
for that prose. - Skills heading: list of skills (Attention to Detail, Critical Thinking, Strong Research Skills, Financial Analysis, Knowledge of Accounting Standards, Problem Solving, Analytical Skills, Organization & Time Management, Ability to Manage High Volumes, Strong Communication, Collaboration & Teamwork, Experience Working with Tax Returns (helpful)). Use
- .
- Qualifications heading: maybe key competencies? Could be Qualifications. We'll put key competencies list under
Qualifications
with- .
- Benefits heading: list of benefits highlights. Use
- .
We must not include Pay or Schedule.
We must not include boilerplate like EEO etc. Already removed.
We must preserve all substantive information; not invent or summarize away detail. Must not omit details.
Let's extract details precisely.
Company description: "For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily. From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need. At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated."
That's about the company; we can put under About the role.
Role description: "Who are you? You’re analytical, detail-oriented, and ready to put your finance or accounting knowledge to work. At C&N, we’re seeking a Credit Analyst I to support our commercial lending and Credit Administration teams by analyzing financial information and helping inform sound lending decisions. In this role, you’ll review financial statements, research borrowers and industries, prepare credit approval documents, complete annual reviews, and develop an understanding of commercial credit risk. If you enjoy working with numbers, digging into financial information, and solving problems—and you’re looking for an opportunity to build a strong foundation in commercial lending—this could be a great opportunity for you."
We can incorporate that into About the role or maybe a separate section? But we only have headings defined; we can include that prose under About the role as well.
Responsibilities list:
- Financial Analysis: Spread, review, and analyze financial statements and supporting information for existing and prospective commercial borrowers while ensuring requests are completed accurately and timely.
- Credit Analysis & Approval: Prepare credit approval documents for new, renewed, and extended loans by analyzing financial information and clearly presenting the strengths, weaknesses, and other relevant considerations of each credit request.
- Credit Research: Research available credit and financial information, including credit reports, industry trends, Risk Management Association resources, and other sources to support the underwriting process.
- Portfolio Review & Risk: Prepare annual reviews of borrowing relationships and develop an understanding of C&N’s risk-rating system while providing input on assigned risk ratings and potential changes.
- Credit Administration Support: Assist with Credit Administration reporting, including the Bank’s quarterly watch list process, while collaborating with Relationship Managers, Credit Officers, and other partners throughout the credit process.
Requirements (Education & Experience): "Education & Experience – You will need a Bachelor's Degree in Accounting, Finance, or a directly related field AND less than a year of previous related experience and/or training OR an equivalent combination of education and experience."
Skills list: "Attention to Detail Critical Thinking Strong Research Skills Financial Analysis Knowledge of Accounting Standards Problem Solving Analytical Skills Organization & Time Management Ability to Manage High Volumes Strong Communication Collaboration & Teamwork Experience Working with Tax Returns (helpful)". Note they are separated by spaces; we need to split into items. We'll list each.
Key Competencies list: "Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations.Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes."
We need to keep the colon and description as part of each item.
Benefits list: "Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).Health & Wellness:Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.Employer-paid life and disability insurance.Additional voluntary coverages to meet your unique needs.Career Development: Access to education and development programs and ongoing support for personal and professional growth."
We need to split into items by the periods? Actually each benefit heading ends with colon then description. We'll keep each as list item.
Now produce HTML.
We must not include any extra text outside HTML. No markdown fences.
Let's craft:
About the role
For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily. From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need. At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated. Who are you? You’re analytical, detail-oriented, and ready to put your finance or accounting knowledge to work. At C&N, we’re seeking a Credit Analyst I to support our commercial lending and Credit Administration teams by analyzing financial information and helping inform sound lending decisions. In this role, you’ll review financial statements, research borrowers and industries, prepare credit approval documents, complete annual reviews, and develop an understanding of commercial credit risk. If you enjoy working with numbers, digging into financial information, and solving problems—and you’re looking for an opportunity to build a strong foundation in commercial lending—this could be a great opportunity for you.
Responsibilities
- Financial Analysis: Spread, review, and analyze financial statements and supporting information for existing and prospective commercial borrowers while ensuring requests are completed accurately and timely.
- Credit Analysis & Approval: Prepare credit approval documents for new, renewed, and extended loans by analyzing financial information and clearly presenting the strengths, weaknesses, and other relevant considerations of each credit request.
- Credit Research: Research available credit and financial information, including credit reports, industry trends, Risk Management Association resources, and other sources to support the underwriting process.
- Portfolio Review & Risk: Prepare annual reviews of borrowing relationships and develop an understanding of C&N’s risk-rating system while providing input on assigned risk ratings and potential changes.
- Credit Administration Support: Assist with Credit Administration reporting, including the Bank’s quarterly watch list process, while collaborating with Relationship Managers, Credit Officers, and other partners throughout the credit process.
Requirements
Education & Experience – You will need a Bachelor's Degree in Accounting, Finance, or a directly related field AND less than a year of previous related experience and/or training OR an equivalent combination of education and experience.
Skills
- Attention to Detail
- Critical Thinking
- Strong Research Skills
- Financial Analysis
- Knowledge of Accounting Standards
- Problem Solving
- Analytical Skills
- Organization & Time Management
- Ability to Manage High Volumes
- Strong Communication
- Collaboration & Teamwork
- Experience Working with Tax Returns (helpful)
Qualifications
- Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.
- Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
- Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations.
- Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.
- Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes.
Benefits
- Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.
- Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
- Health & Wellness: Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.
- .
We must not include Pay or Schedule.
We must not include boilerplate like EEO etc. Already removed.
We must preserve all substantive information; not invent or summarize away detail. Must not omit details.
Let's extract details precisely.
Company description: "For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily. From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need. At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated."
That's about the company; we can put under About the role.
Role description: "Who are you? You’re analytical, detail-oriented, and ready to put your finance or accounting knowledge to work. At C&N, we’re seeking a Credit Analyst I to support our commercial lending and Credit Administration teams by analyzing financial information and helping inform sound lending decisions. In this role, you’ll review financial statements, research borrowers and industries, prepare credit approval documents, complete annual reviews, and develop an understanding of commercial credit risk. If you enjoy working with numbers, digging into financial information, and solving problems—and you’re looking for an opportunity to build a strong foundation in commercial lending—this could be a great opportunity for you."
We can incorporate that into About the role or maybe a separate section? But we only have headings defined; we can include that prose under About the role as well.
Responsibilities list:
- Financial Analysis: Spread, review, and analyze financial statements and supporting information for existing and prospective commercial borrowers while ensuring requests are completed accurately and timely.
- Credit Analysis & Approval: Prepare credit approval documents for new, renewed, and extended loans by analyzing financial information and clearly presenting the strengths, weaknesses, and other relevant considerations of each credit request.
- Credit Research: Research available credit and financial information, including credit reports, industry trends, Risk Management Association resources, and other sources to support the underwriting process.
- Portfolio Review & Risk: Prepare annual reviews of borrowing relationships and develop an understanding of C&N’s risk-rating system while providing input on assigned risk ratings and potential changes.
- Credit Administration Support: Assist with Credit Administration reporting, including the Bank’s quarterly watch list process, while collaborating with Relationship Managers, Credit Officers, and other partners throughout the credit process.
Requirements (Education & Experience): "Education & Experience – You will need a Bachelor's Degree in Accounting, Finance, or a directly related field AND less than a year of previous related experience and/or training OR an equivalent combination of education and experience."
Skills list: "Attention to Detail Critical Thinking Strong Research Skills Financial Analysis Knowledge of Accounting Standards Problem Solving Analytical Skills Organization & Time Management Ability to Manage High Volumes Strong Communication Collaboration & Teamwork Experience Working with Tax Returns (helpful)". Note they are separated by spaces; we need to split into items. We'll list each.
Key Competencies list: "Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations.Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes."
We need to keep the colon and description as part of each item.
Benefits list: "Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).Health & Wellness:Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.Employer-paid life and disability insurance.Additional voluntary coverages to meet your unique needs.Career Development: Access to education and development programs and ongoing support for personal and professional growth."
We need to split into items by the periods? Actually each benefit heading ends with colon then description. We'll keep each as list item.
Now produce HTML.
We must not include any extra text outside HTML. No markdown fences.
Let's craft:
- .
- Benefits heading: list of benefits highlights. Use
- .
- Qualifications heading: maybe key competencies? Could be Qualifications. We'll put key competencies list under
- for any list of duties/requirements/benefits. So for requirements we could make a list: Education & Experience, Skills, Key Competencies? But they have separate headings for Skills and Qualifications. So Requirements heading likely for education & experience only. We'll output