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Tompkins Community Bank · 2 weeks ago

Senior Credit Analyst

Syracuse, NY

Full-time

Hybrid

Senior Level

$36/hr - $41/hr

5+ years exp

Tompkins Community Bank is seeking a Senior Credit Analyst who will be responsible for developing analytical credit information for lending decisions and participating in loan reviews. The role requires active support for loan officers, training junior staff, and performing in-depth financial analyses to assess creditworthiness.

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Responsibilities

Develop and analyze credit information:

Determine what financial documents are needed

Review financial statements and tax returns for completeness and accuracy

Perform an in-depth financial statement analysis

Research debt and deposit relationships from all internal bank systems

Spread financials to generate common sized reports, financial ratios and trend reports

Evaluate and analyze above reports

Understand and use tax returns for credit evaluation

Prepare in-depth cash flow analysis of companies and individuals

Interpret Credit Bureau reports

Determine the need for more thorough investigations, contacts appropriate sources

Analyze collateral value through use of receivables aging, real estate appraisals, etc

Identify strengths and weakness of credit analyzed

Assign and substantiate appropriate risk rating to each credit

Prepare a Profitability Model based on proposed banking relationship

Prepare and present an accurate summary analysis, recommend loan structure, and summarize borrower’s creditworthiness

Review collateral and supporting documents for completeness and accuracy

Become familiar with characteristics of various industries and business structures and sustain continual research

Understand and evaluate residential and commercial real estate appraisals, including use of a fair capitalization rate

Become familiar with governing regulations (USPAP) in order to prepare appraisal reviews

Follow up with appraiser for missing information or lack of documentation

Become familiar with commercial loan policy manual, apply policies and report policy exceptions

Become familiar with the Uniform Commercial Code and other loan documentation related to lien perfection and protection of Company’s collateral

Serve as a liaison to regulators, appraisers, borrowers, and internal/external auditors

Review credit memos to track and monitor exceptions to bank policy manual

Assist the residential mortgage area in analyzing self-employed people and perform agency audits, as needed

Provide analytical support to various departments throughout the Company, as needed

Perform independent validation of risk rating and loan authority component of loan funding in accordance with FDICIA and Sarbanes-Oxley requirements, as needed

Respect highly sensitive nature of position and treats all information in a confidential manner

All other duties as assigned

Qualification

Financial analysisCredit evaluationMicrosoft ExcelBaker Hill Statement AnalyzerCommunication skills

Required

A Bachelor's Degree in Business, Accounting, Finance (or an Associate's Degree plus two (2) years' of experience

Minimum of five (5) years' banking or related field experience

Excellent verbal and written communication

Working knowledge of microcomputer systems, including Microsoft Excel, Microsoft Word and Baker Hill Statement Analyzer software

Current knowledge of techniques necessary to analyze business financial conditions including an acute awareness of the implications that financial and non-financial factors can have in assessing a borrower's ability to service debt obligations

Demonstrated ability to progress within a company's credit department with increasing responsibility and able to work independently