NBT Bank · 22 hours ago
Credit Analyst III
Utica, NY
Full-time
Onsite
Mid Level
$72K/yr - $96K/yr
3+ years expNBT Bank is a stable financial institution that empowers people to grow and innovate through meaningful work. They are seeking a Credit Analyst III to complete customer due diligence, analyze borrower financial information, and prepare comprehensive financial analyses with limited oversight.
BankingFinancial Services
No H1B
Responsibilities
Prepare accurate and detailed analytical memorandums on customers with larger exposures for commercial and industrial borrowers including complex borrowing structures and commercial real estate (office, industrial, multi family, affordable housing, construction). These memorandums will include annual reviews, renewals and new money deals
Analyze financial statements, prepare spreads and cash flows, complete modifications, waivers, and change memos as needed. Modify and restructuring existing loans with loan officers
Willingness to collaborate with newer analysts in order to build training skills of the analyst as well as foster development of newer analysts
Travel and other duties as assigned
Qualification
Required
Bachelor's Degree with a degree in accounting or finance preferred
Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable
Strong working knowledge and understanding of traditional financial analysis with the ability to interpret data while researching, analyzing and drawing conclusions
Ability to read loan documentation, understand loan structures, protect asset quality and read/understand financial statements along with having a financial wellness acumen
Ability to maintain a strong knowledge of loan policy and procedures
Ability to identify key trends during analysis and maintain critical thinking
Ability to use a loan origination system/spreading software
Strong organizational, time management and prioritization skills with attention to detail
Excellent verbal, written, and interpersonal communication skills with strong presentation skills
Ability to make decisions effectively and handle conflict resolution with confidence
Team player able to work effectively in a team fostered, multi-tasking environment while developing, nurturing and leveraging relationships, both externally and internally, to accomplish results
Ability to work complex relationships with minimal oversight
Willingness to provide mentorship to younger analysts in order to expand the skillset of other analysts
Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook and experience in loan origination systems
Preferred
RMA Courses such as (not limited to) Analyzing Business Tax Returns, Analyzing Personal Finance Statement and Tax Returns, Cash Flow Analysis – UCA Fundamentals, Commercial Real Estate Lending, Accounting and Ratio Analysis, The Business of Commercial Banking, Ethics and Decision Making, Borrower Analysis: Qualitative Factors, Balance Sheet Analysis, Income Statement Analysis, Combined Balance Sheet and Income Statement Analysis or other trainings through American Institute of Banking are a plus
Leadership programs (through NBT or other institutions) for coaching, mentoring, self awareness, etc
RMA or Credit Risk certifications and/or Sales Training
Established Individual Development Plan
Benefits
Generous Paid Time Off: At least 22 days annually, prorated in the year of hire.
Parental Leave: Six weeks of paid leave at 100% of your salary.
Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage: Ensuring your overall health and well-being.
Flexible Spending Accounts: For healthcare and dependent care expenses.
Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary Benefits: Including hospital, accident, and critical illness coverage.
Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
Adoption Assistance: Supporting your growing family.
Tuition Reimbursement: Invest in your education and career growth.
Employee Assistance Program (EAP): Access to support and resources.
Pet Insurance: For all your furry friends.
Financial and Banking Services: Various banking services benefits and financial planning assistance.
Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
Paid Sick and Safe Leave: For your health and safety.
Company
NBT Bank
NBT Bank, N.A. is a financial institution
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Scott Kingsley
EVP & CFO
Amy Hurta
SVP, Director of Operations and Chief Diversity & Inclusion Officer
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