Job Description

The Position Our bank client is seeking to fill a Sr. Commercial Credit Analyst role located in the Poughkeepsie, NY market. The successful Credit Analyst candidate will be responsible for processing daily credit transactions per the credit policy and procedures, maintaining records and files on all credit transactions, including correspondence and documents.

This position comes with a generous salary of up to $85K and full benefits package. (THIS OPPORTUNITY COULD POTENTIALLY BE A REMOTE POSITION).

Sr. Commercial Credit Analyst responsibilities include:

• Performing in-depth financial analysis (spreading and analyzing financial statements).
• Receiving data on prospective and active borrowing accounts, i.e., financial statements, tax returns, agency and credit reports, and interview and investigation sheets.
• Analyzing data and evaluates the short- and long-run prospects of the individual or company.
• Making recommendations to appropriate personnel on the granting or denying of loans.
• Preparing sufficient information to document recommendations, if assigned to a lending function.
• Suggesting a loan grade after conducting a thorough credit analysis and documentation review.
• Ensuring that all credit analysis activities are conducted in accordance with prescribed lending policy.
• Providing thorough documentation of all financial analysis work, including ratios, cash flow, and collateral analysis, and other related information.
• Accompanying Commercial Lenders on customers meetings when needed.
• Providing leadership, on-the-job training, and technical guidance to the other credit analysts.
• All other duties assigned.

REQUIREMENTS

Who Are You? Youre someone who wants to influence your own development. Youre looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.

You also bring the following skills and experience:

• B.S. or B.A. degree in a related field of study preferred specialized financial analysis training.
• Five or more years of experience as a Credit Analyst required.
• Experienced in underwriting Commercial Real Estate, multifamily, C&I, and construction lines of credit.
• Experienced in preparing credit presentations.
• Able to manage/process/track annual reviews of the necessary credits.
• Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations.
• Proficient ability to analyze and interpret financial statements.
• Excellent written and verbal communication skills.
• Strong organizational skills with an eye to detail.
• Ability to multi-task.
• Adept with spreadsheet and word processing software as well as have experience working in a digital office environment.

BENEFITS

This position comes with a generous salary of up to $85K and full benefits package. (This opportunity could potentially be a remote position).