Credit Analyst

Description

Are you passionate about making a positive impact in your local community? Do you thrive in a dynamic, collaborative, and engaging work environment? If so, we have the perfect opportunity for you at Pathfinder Bank!

About Us: At Pathfinder Bank, we take pride in being more than just a financial institution - we are a community-focused bank committed to building lasting connections in Central New York. As a key player in our Market, you'll have the chance to make a meaningful impact on the people and businesses in our community while developing long-lasting, trusted relationships.

Why Join Us:

Community-Centric: Your role at Pathfinder Bank goes beyond being a trusted financial advisor; it's about actively contributing to the growth and prosperity of the local community we serve.

Collaborative Environment: Thrive in a fast-paced, collaborative, and engaging work environment where your ideas are valued, and teamwork is celebrated. We believe that together, we can achieve more.

Employee Support: We understand the dedication and hard work our employees put in, and we are committed to ensuring you feel supported, appreciated, and rewarded for your contributions.

Flexibility: Enjoy the flexibility of a family-friendly work environment that understands the importance of work-life balance.

Key Responsibilities:

Relationship Building: Cultivate and strengthen personal and business relationships within the local community. As a Customer Service Representative you will be "face of Pathfinder Bank".

Customer Service: Lead by example and inspire those around you to deliver exceptional service. Your interactions with internal and external customers will be instrumental in creating a positive and inclusive environment.

Local Touch: Embrace the opportunity to immerse yourself in the unique needs and aspirations of our local community. Your insights will guide our efforts to provide tailored financial solutions.

Identify Needs: Interacting with customers and creating relationships is how everyone here at Pathfinder Bank can help turn dreams into reality.

What We Offer:

• A fulfilling and rewarding career with opportunities for growth and development.

• Competitive compensation and benefits package including paid holidays, paid time off, medical (including virtual care and work-life balance services), vision, and dental insurance, a 401K with a generous match, tuition reimbursement, banking discounts, and more!

• The chance to be part of a bank that believes in bringing out the best in its talent.

Requirements

Summary/Objectives:

Accountable for the identification of risk inherent in the loan transaction and communication of that knowledge. Participates in the annual financial review of existing commercial customers. Provide customer service support for business services.

Essential Functions

• Perform credit analysis on loan applicants, including recommendations regarding ideal credit structure, review frequency, security requirements and approval/denial of request.

• Reviews and analyzes the risk and financial strength of loans that are currently within the banks commercial loan portfolio.

• Prepare loan presentations for approval by lenders, Officers Loan Committee and or Executive Loan Committee.

• Maintain knowledge of regional and national economic conditions, financial trends, lending regulations, loan documentation, delinquency trends and loan procedures.

• Accompany lenders on customer calls to discuss request and to understand outstanding questions to complete accurate write ups. .

• Spread financial statements in BakerHill and complete cash flows to assist lenders in making preliminary loan decisions.

• Any additional tasks that may be assigned.

• Complete annual reviews and any additional periodic analysis.

• Assist in the maintenance of credit files and BakerHill system

• Assist in the audit process with regulators and third party loan review firms

Competencies

• Customer Service Skills

• Microsoft Excel

• Professionalism

• Communication

• Problem Solving

• Creative Thinking

Required Education, Experience and Qualifications

• Intermediate computer skills including Microsoft Word and Excel

• Ability to understand and learn the banks internal systems

• Excellent customer service skills