Genesee Regional Bank · 1 day ago
Credit Analyst I
Rochester, NY
Full-time
Onsite
New Grad, Entry Level
$27.90/hr - $31/hrGenesee Regional Bank is seeking a Credit Analyst I who will be responsible for analyzing and evaluating financial information to prepare credit analyses for loan requests. The role involves working closely with Relationship Managers to ensure compliance with loan policy requirements and conducting reviews of financial statements and borrower performance.
AssociationCommunitiesNon ProfitReal Estate
Responsibilities
Analyze financial statements of all levels of quality to develop an initial assessment for identifying strengths and weaknesses, as it pertains to a borrower’s historical and projected operating performance
Working with the Relationship Managers to develop appropriate information for the credit analyses to process new loan requests or annual reviews. This includes, but is not limited to, developing information on affiliated debt and relationships, evaluating primary borrower's and/or corporate guarantor’s cash flow, analyzing financial data and developing data for the collateral analysis
Evaluate a personal guarantor’s cash flow, net worth and liquidity position
Responsible for completing assigned reviews, including annual, vendor and MBDs
Utilize the nCino platform and gain familiarity with all functions, primarily generating the appropriate credit memo
Review the loan documentation file, as necessary, to ensure that loans met the conditions of the previous approval. Note any exceptions in the credit memo
Review the loan policy to ensure that loans meet the bank's policy requirements. Note any policy exceptions in the credit memo
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
Required
Bachelor's degree in Accounting, Business, Finance or a business related discipline or the equivalent combination of education and experience
Previous credit analysis or related experience in commercial banking strongly preferred
Working knowledge of nCino or other underwriting software preferred
Provide a remarkable client experience. Greet fellow employees and clients with warmth, genuine interest and a smile
Lead by example. Identify current or potential problems, take ownership and see them through to resolution
Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments
Ability to work independently; proactively reaches out for assistance. Seek and incorporate feedback on your performance from management, co-workers and clients
Demonstrated PC literacy, including Word and Excel
Detail-oriented, conscientious, sensitive to confidential information, and efficient work habits required
Preferred
Previous credit analysis or related experience in commercial banking strongly preferred
Working knowledge of nCino or other underwriting software preferred
Company
Genesee Regional Bank
GRB is committed to serving Rochester, NY and its surrounding communities by growing small businesses and supporting home buyers.
Founded in 1996
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Philip Pecora
President & CEO
Nick Dobbertin
Executive VP, Chief Financial Officer
Recent News
Rochester Business Journal
2026-01-03
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2025-07-19
Rochester Business Journal
2025-05-17
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