• Credit Professional

    Posted: 01/02/2022

    ABOUT THE POSITION
    In this position with our Credit department, you would be responsible for supporting lending staff by analyzing loan requests, performing annual reviews of large relationships, and conducting credit investigations.  Reviews, analyzes and recommends loan proposals with sponsoring banker for approval through respective loan authority.  Promotes Company credit culture, both internally and externally, and adheres to Company Loan Policy as well as regulatory and compliance requirements.
     
    Responsibilities Include:
    §      Underwrite commercial credit relationships with emphasis on larger, more complex relationships; pull credit reports for commercial lenders and review appraisals for credits underwritten.
    §      Spread financial statements and prepare real estate cash flow analysis for use by commercial lenders; assist with interpreting business financial statements, tax returns, and other data.
    §      Maintain current knowledge of banking, lending, and credit industries, as well as appraisal regulations and requirements; assist management in creating processes/procedures to improve operational efficiencies while adhering to changes in regulations and appraisal requirements.
    §      Create reports for management, lenders, and customers as appropriate; work with colleagues and management to provide guidance, training, and support to reach goals as appropriate.
    §      Contribute to meetings with lenders and customers and attend Loan Committee meetings as appropriate.
     
    Qualifications:
               
    Education/Certifications/Experience:
    §      Bachelor’s Degree in Accounting, Finance, Business Administration or related field or equivalent experience required
    §      6+ years of experience in credit analysis and complex credit underwriting required
    §      Advanced degree or formal credit analysis training preferred
     
    Skills/Knowledge Requirements:
    §      Outstanding analytical and problem solving skills; ability to understand and interpret business financial documents
    §      Ability to work efficiently in a fast-paced environment and prioritize work to meet strict deadlines
    §      Solid communications skills, both written and verbal; ability to interact with management and commercial lenders to provide quality service to customers
    §      Proficient with Microsoft Office including Excel, Word, and Outlook; experience with Access and PowerPoint a plus
     
    ABOUT OUR COMPANY
    We offer a pleasant work environment, career development opportunities, competitive compensation, and an exceptional benefits package.  This position works out of our headquarters in Glens Falls, New York.
     
    Glens Falls National Bank & Trust Company has been serving the region and helping our neighbors achieve their financial goals since 1851.  We are proud to serve as a cornerstone in the community through charitable giving and unmatched volunteerism.  We serve Warren, Washington, northern Saratoga, Essex, and Clinton counties through 30 offices.
     
    We are an Equal Opportunity Employer. Our employment decisions are made without regard for: race, color, religion, national origin or ethnic origin, gender (including pregnancy), sexual orientation, gender identity or expression, age, disability, veteran status, or any other characteristic protected by law.