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Five Star Bank · 1 month ago

Credit Analyst III

Rochester, NY, US

Full-time

Onsite

Mid Level

$80K/yr - $100K/yr

4+ years exp

Five Star Bank is seeking a Credit Analyst III who will apply a high-level understanding of commercial credit analysis to support the Bank’s Commercial Lending staff. The role involves conducting thorough credit assessments, preparing comprehensive credit reports, and providing guidance to junior analysts while monitoring loan portfolios and collaborating with stakeholders.

BankingFinancial ServicesInsurance

H1B Sponsor Likely

Responsibilities

Conduct thorough credit assessments of individuals and businesses, utilizing financial statements, credit reports, and market analysis

Prepare comprehensive credit analysis reports that summarize findings and provide actionable insights

Evaluate the creditworthiness of potential borrowers and recommend terms and conditions for credit approvals

Monitor existing loan portfolios, identifying trends and potential risks, and reporting findings to management

Collaborate with relationship managers and other stakeholders to ensure informed decision-making in the lending process

Stay updated on industry trends, regulatory changes, and economic factors that may impact credit risk

Develop and maintain credit risk models and scoring systems to enhance credit assessment processes

Mentor and train junior analysts, providing guidance on best practices and methodologies in credit analysis

Qualification

Commercial credit analysisFinancial modelingCredit assessment softwareAnalytical skillsCommunication skillsAttention to detailProject management

Required

Associate's degree in Finance, Accounting, Business Administration, or a related field

4 years of experience in commercial credit analysis

Strong analytical skills with the ability to interpret complex financial data and provide insightful recommendations

Proficient in financial modeling and analysis tools, as well as credit assessment software

Excellent communication skills, both written and verbal, with the ability to present findings to various stakeholders

Strong attention to detail and a commitment to accuracy and quality

Ability to work independently and manage multiple projects simultaneously in a fast-paced environment

Able to regularly sit for prolonged periods of time

Able to regularly stand for prolonged periods of time

Extensive computer usage is required

Ability to work evenings occasionally

Ability to work weekends occasionally

Benefits

Medical, Dental, and Vision Insurance

Health Savings Account

Flexible Spending Account(s)

Company Paid Life Insurance, Long Term Disability, and Short Term Disability

Voluntary Offerings: Life, Critical Illness/Specified Disease, Accident, Hospital Indemnity & Personal Accident

Tuition Reimbursement

Employee Referral Program

Wellness Reimbursement Program

Star Volunteer Program

Employee Banking and Financial Perks

Paid Time Off (PTO)

Company Paid Holidays

Company

Five Star Bank

Five Star Bank offers a wide range of consumer and commercial banking services to individuals, municipalities, and businesses.

Founded in 1817

Warsaw, New York, USA

501-1000 employees

https://www.five-starbank.com

H1B Sponsorship

Five Star Bank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (1)

2024 (1)