Job Information
NBT Bank Senior Credit Analyst in Norwich, New York
Pay Range: $29.26 - $39.04
Conducts credit investigations and analyzes credit information pertaining to loans. Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. Analyzes financial statements and related material. Prepares written analysis of loan requests providing a comprehensive financial analysis of the borrower and guarantor’s financial condition documenting repayment capacity, including industry comparisons and projections when necessary.
Education and Experience:
Bachelors Degree in Accounting or Finance or equivalent education and experience
Commercial Banking courses through associations such as: American Institute of Banking (AIB) or Risk Management Association (RMA)
2-4 years commercial credit analysis experience
Skills and Abilities:
Strong computer skills with proficiency in Excel and Word
Ability to work in a fast paced environment while maintaining a high degree of accuracy.
Strong analytical and writing skills
Tasks Performed:
40% Prepare written analysis of loan requests providing a comprehensive financial analysis of the borrower and guarantors financial condition documenting repayment capacity, including industry comparisons and projections when necessary.
30% Spread tax returns, business and personal financial statements via PC based programs.
10% Assist lending officers in preparing, completing and reviewing the documentation necessary to present a loan request to the Board of Directors Loan Committee for approval.
10% Prepare reports to management and others using various system reports and miscellaneous data, assist with portfolio administration within the Commercial Loan Division, and assist with training staff members.
5% Assist lenders in continuous monitoring of asset based lines of credit through analysis of customer reports.
5% Other duties as assigned.
Physical Requirements:
Communicate effectively with internal and/or external customers
Stationary 75% of time or greater
Move Objects to Maximum 10 lbs
NBT Bank offers a stimulating work environment that recognizes talent and encourages teamwork. Our employees benefit from a total compensation package, including competitive salary, bonuses and a wide range of benefits for eligible employees - like our Student Loan Repayment Program. Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company.
EEO is the law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf)
EEO is the Law Poster Supplement
Pay Transparency Nondiscrimination Provision (https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp_%20English_formattedESQA508c.pdf)
Family Medical Leave Act (FMLA) Poster
Employee Polygraph Protection Act (EPPA) (https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf)
NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law. This policy applies to all terms of employment.
NBT Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the Careers website or submission process, please call 1-888-804-1771 or contact us via email at humanresources@nbtbank.com. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.