CREDIT ANALYST Position Available In Orange, New York

CREDIT ANALYST

Full Time
Corporate Headquarters, Montgomery, NY, US
3 days ago

Requisition ID:

1112

Salary Range:

$60,575.00 To $75,700.00 Annually
Role
Under the general supervision of the Credit Department Supervisor, the credit risk management of the institution’s commercial loan portfolios, which includes underwriting of commercial loans for customers with total exposure exceeding $500M for C & I loan and commercial mortgages. Maintains confidentiality of customer’s information and compliance with all requirements and policies.
Reports to AVP Credit Manager
Position is in office located at our Corporate Headquarters location 15 Scott’s Corners Drive, Montgomery

NY 12549.

Major Duties and Responsibilities
Complete a thorough, in-depth analysis of new credit requests, credit change requests, renewals and annual relationship reviews.
Prepare spreadsheets, reports, summaries and opinions for lenders on new, renewal and existing loans.
Determines that loan file documentation is complete and properly executed to ensure adequate enforceability of the company’s position for all new loans reviewed.
Recommend risk rate changes when analysis merits.
Assists in the administration of the institution’s commercial loan portfolios as to credit risk management loan considerations to maintain quality control and minimize losses.
Maintain a good working knowledge of the Bank’s Loan Policy and procedures and identify exceptions to policy.
Originate the collection and tracking of annual financial information for the execution of annual reviews on existing portfolio loans.
Other duties assigned by the Credit Department Supervisor.
Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

NOTE:

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Why join Walden Savings Bank?
We are committed to providing our employees with ongoing development opportunities, personal fulfillment, and excellent benefits including:

• Medical, Dental, Vision & Other Supplemental Health & Well-Being Options
• Benefits Available for Full-Time and Part-Time Employees
• Long Term Disability
• Life Insurance
• 401k with Employer Match
  In addition to a fun work environment and community-based employment, some of our benefits included:
• Tuition Assistance up to $5,250
• Paid Time Off & Holidays
• Community Service Program
• Dress Down Fridays
• Flexible Schedules Available Depending on Position
• Ongoing Professional Development, Mentoring, and Cross-Training
• Employee Recognition Programs and Discounts
• Performance Based Pay Increase Opportunities
• Closed on Sundays!
  Experience
  Ability to read and understand company financial reports Working knowledge of Advanced Excel
  Education/Certifications/Licenses
  Bachelor’s degree in related field or equivalent combination of coursework and work experience.
  Interpersonal Skills
  Ability to develop an opinion based on factual analysis and deliver a written and verbal opinion under stress.
  Other Skills
• Analytical skills
• Experienced in credit analysis, cash flow reports, and financial statement analysis
• Excellent communication skills (written, verbal, listening).
• Detail-oriented and well-organized.
• Must be highly competent with significant expertise in multiple computer programs. Will ensure competency is achieved and maintained with training as needed.
• Ability to effectively manage one’s time to complete work according to established deadlines.

ADA Requirements
Physical Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
Working Conditions
Must be able to routinely perform work indoors in a climate-controlled shared work area with minimal noise.
Mental and/or Emotional Requirements
You must be able to perform job functions independently or with limited supervision and work effectively either on your own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising the highest level of discretion on both internal and external confidential matters.