C&N · 1 day ago
Credit Analyst II
Pennsylvania, United States
Full-time
Onsite
Entry, Mid Level
2+ years expC&N is a financial institution committed to creating value through lifelong relationships with customers and communities. As a Credit Analyst II, you will evaluate complex loan requests, assess risk, and provide strategic recommendations while mentoring junior analysts and collaborating with stakeholders.
BankingFinancial ServicesInsuranceVenture Capital
Hiring Manager
Dusty Zeyn
Responsibilities
Financial Analysis & Loan Underwriting – Reviewing and analyzing financial statements for complex borrowers, determining additional information needs, and maintaining loan request status updates
Credit Approval Documentation – Preparing detailed credit approval documents, and assessing strengths, weaknesses, conditions, and financial projections to support lending decisions
Credit & Financial Investigation – Researching borrower creditworthiness using credit bureaus, industry trends, and financial sources, ensuring underwriting data is current and comprehensive
Annual Credit Reviews & Risk Assessment – Conducting timely annual reviews, assigning appropriate risk ratings, and updating internal records to ensure compliance with loan policies
Risk Rating & Credit Approval – Assisting in risk rating assignments, providing recommendations for adjustments, and exercising credit approval authority within policy guidelines, including participation in credit committees
Client Relationship & Business Development – Partnering with lenders to meet with clients, assessing business operations, addressing underwriting inquiries, and promoting banking products and services
Qualification
Required
Bachelor's degree in Accounting, Finance, or a directly related field
2-4 years of previous related experience and/or training
Developed analytical and critical thinking skills with the ability to identify strengths and mitigate risks
Excellent organizational skills and attention to detail
Proficient in conducting thorough research
Effective verbal and written communication skills
Knowledgeable of Accounting Standards and experience working with tax returns
Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively
Instills Trust: Maintains integrity, follows through on commitments, and earns credibility through consistent actions
Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact
Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations
Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes
Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes
Benefits
Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.
Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
Health & Wellness: Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.
Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.
Employer-paid life and disability insurance.
Additional voluntary coverages to meet your unique needs.
Career Development: Access to education and development programs and ongoing support for personal and professional growth.
Company
C&N
97% of Citizens & Northern Bank customers say they would recommend us to their family and friends.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$15M2021-05-20Debt Financing· $15M
Leadership Team
B
Brad Scovill
President & CEO
Recent News
2025-10-24
Monteverde & Associates PC
2025-07-23
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