• Small Business Credit Analyst

    Posted: 11/13/2022

     

     MOVE YOUR CAREER IN THE RIGHT DIRECTION!  

    Glens Falls National Bank & Trust Company is seeking an experienced  

    Small Business Credit Analyst  

    This opportunity may be perfect for you if you have experience in:  

    * Analytical and problem solving skills  

    * Solid communication Skills   

    * Computer Skills   

    ABOUT THE POSITION  

    In this position with our Retail Lending department, you would be responsible for underwriting commercial relationships and evaluating the financial condition of individuals and businesses applying for credit. Work to maintain credit quality by developing current knowledge of industry trends, government regulations, and Company policies.  

    Responsibilities Include:  

    § Underwrite commercial credit relationships with emphasis on small business loans, pull credit reports, and review appraisals for credits underwritten.  

    § Spread financial statements and prepare real estate cash flow analysis; analyze 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.  

    § Work with branch managers and business development officers to increase small business activity  

    § Stay on top of available loan funds and community partnerships to broaden our ability to help our customers meet their financing needs.  

    § Participate actively in community as designated by Company Community Service Requirements.  

    Qualifications:  

    § Bachelor’s Degree in Accounting, Finance, Business Administration or related field required; commensurate experience accepted  

    § 6+ years’ 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.