Credit Analyst at Pathfinder Bank

Town of De Witt, New York, United States -

Full Time

Start Date

Immediate

Expiry Date

13 Mar, 26

Salary

0.0

Posted On

13 Dec, 25

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Customer Service, Financial Review, Risk Assessment, Loan Documentation, Financial Statements, Economic Conditions, Lending Regulations, Cash Flow Analysis, Team Collaboration, Audit Process, BakerHill System, Detail-Oriented, Organized, Communication Skills, Problem Solving

Industry

Banking

Description

Description Location: Oswego, NY or East Syracuse, NY Apply Today: If you're detail-oriented, organized, and ready to grow your career in commercial lending with a community-focused bank, we want to hear from you. Join the Pathfinder Bank team and be part of something meaningful. Join a team that values your expertise and your community: At Pathfinder Bank, you're not just an employee, you're a valued part of a team that takes pride in helping local businesses and communities grow. When you join us, you’re joining a people-first culture built on respect, development, and service. We offer: Competitive compensation and benefits, including health coverage, 401(k) with company match, and generous paid time off A commitment to career growth and internal mobility Community-focused culture with paid volunteer opportunities A supportive team that truly values your contributions Summary/Objectives: Accountable for the identification of risk inherent in the loan transaction and communication of that knowledge. Participates in the annual financial review of existing commercial customers. Provide customer service support for business services. Essential Functions Perform credit analysis on loan applicants, including recommendations regarding ideal credit structure, review frequency, security requirements and approval/denial of request. Reviews and analyzes the risk and financial strength of loans that are currently within the banks commercial loan portfolio. Prepare loan presentations for approval by lenders, Officers Loan Committee and or Executive Loan Committee. Maintain knowledge of regional and national economic conditions, financial trends, lending regulations, loan documentation, delinquency trends and loan procedures. Accompany lenders on customer calls to discuss request and to understand outstanding questions to complete accurate write ups. . Spread financial statements in BakerHill and complete cash flows to assist lenders in making preliminary loan decisions. Any additional tasks that may be assigned. Complete annual reviews and any additional periodic analysis. Assist in the maintenance of credit files and BakerHill system Assist in the audit process with regulators and third party loan review firms Requirements Intermediate computer skills including Microsoft Word and Excel Ability to understand and learn the banks internal systems Excellent customer service skills

Responsibilities

The Credit Analyst is responsible for identifying risks in loan transactions and participating in the annual financial review of commercial customers. They will also provide customer service support for business services and prepare loan presentations for approval.