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Genesee Regional Bank · 21 hours ago

Credit Analyst II

Rochester, NY 14618, USA

Full-time

Onsite

Entry, Mid Level

$65K/yr - $75K/yr

2+ years exp

Genesee Regional Bank is seeking a Credit Analyst II to primarily handle underwriting routine to complex commercial loan requests. The role involves analyzing financial information, preparing credit analyses, and ensuring compliance with loan policies and SBA requirements.

AssociationCommunitiesNon ProfitReal Estate

Growth Opportunities

Responsibilities

Analyze financial statements of all levels of quality and for a variety of different industries. Identify strengths and weaknesses, as well as primary and secondary repayment sources, as it pertains to a borrower’s and/or corporate guarantor’s historical operating performance, or in the case of new credit being extended, performance on a proforma or projected basis

Work with the Relationship Managers to efficiently prepare credit analyses to process new loan requests and annual reviews. This includes, but is not limited to, analyzing information on affiliated debt, identifying major trends, and establishing risks and mitigants that support the risk rating

Evaluate all facets of a guarantor’s personal resources through analyzing personal tax returns, personal financial statements and credit reports, including understanding the implications of transaction solely reported for tax purposes

Responsible for completing assigned reviews, including annual, vendor and MBDs

Utilize the nCino platform and all functions at with a strong level of understanding, primarily generating and preparing the appropriate credit memo

Review the loan documentation file, as necessary, to ensure that loans met the conditions of the previous approval

Review the loan policy to ensure that loans meet the bank's policy requirements

Review the Small Business Administration’s SOP to ensure that loans meet the SBA’s policy requirements and discuss possible deal structure alternatives

Assists the Commercial Credit Manager with various projects. Tasks may include, but are not limited to, setting up the weekly Loan Committee meetings and notifying the appropriate committee members using the Board Portal; proofread all analyses prior to distribution; set up Manager and Board Loan Committee agendas and ensure Committee Minutes are taken

Assist in identifying improvements to the credit process

Meet Credit Management's expectations in performance, productivity and quality standards

Active participation in demonstrating the behaviors outlined in the GRB Experience

All other duties as assigned by the Commercial Credit Manager

Qualification

Credit analysisNCino softwareFinancial analysisCommercial bankingAnalytical skillsCommunicationDetail-orientedInterpersonal skills

Required

Bachelor's degree in Accounting, Business, Finance or a business-related discipline

Minimum of two years of credit analysis in commercial banking or commensurate experience in public accounting, or the equivalent combination of education and experience

Working knowledge of nCino or other underwriting software required

Strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments

Ability to work independently; reaches out for assistance as needed

Demonstrated PC literacy, including Word and Excel

Strong communication skills

Detail-oriented, conscientious, sensitive to confidential information, and efficient work habits required

Proven aptitude in administration, commercial banking, and financial analysis

Strong analytical and critical thinking skills