Senior Commercial Credit Analyst

Responsibilities

• Determine what financial documents are needed.
• Review financial statements and tax returns for completeness and accuracy.
• Perform an in-depth financial statement analysis.
• Research debt and deposit relationships from all internal bank systems.
• Spread financials to generate common sized reports, financial ratios and trend reports.
• Evaluate and analyze above reports.
• Understand and use tax returns for credit evaluation.
• Prepare in-depth cash flow analysis of companies and individuals.
• Interpret Credit Bureau reports.
• Determine the need for more thorough investigations, contact appropriate sources.
• Analyze collateral value through use of receivables aging, real estate appraisals, etc.
• Identify strengths and weaknesses of credit analyzed.
• Assign and substantiate appropriate risk rating to each credit.
• Prepare a Profitability Model based on proposed banking relationship.
• 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 governing regulations (USPAP) in order to prepare appraisal reviews.
• Follow up with appraiser for missing information or lack of documentation.
• 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.
• Serve as a liaison to regulators, appraisers, borrowers, and internal/external auditors.
• Review credit memos to track and monitor exceptions to bank policy manual.
• Assist the residential mortgage area in analyzing self-employed people and perform agency audits, as needed.
• Provide analytical support to various departments throughout the Company, as needed.
• Perform independent validation of risk rating and loan authority component of loan funding in accordance with FDICIA and Sarbanes-Oxley requirements, as needed.

Qualifications

• A Bachelor’s Degree in Business, Accounting, Finance (or an Associate’s Degree plus two (2) years’ of experience).
• Minimum of five (5) years’ banking or related field experience.
• Excellent verbal and written communication.
• Working knowledge of microcomputer systems, including Microsoft Excel, Microsoft Word and Baker Hill Statement Analyzer 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.
• Demonstrated ability to progress within a company’s credit department with increasing responsibility and able to work independently.

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 $90,000.00 - USD $125,000.00 /Yr.