Job Information
NBT Bank Credit Analyst I in Vestal, New York
Pay Range: $25.68 - $34.30
Analyzes corporate financial statements including audited, review level as well as corporate tax returns. Analyst will spread financial statements, borrowing base spreads and assist with covenant management. Analyst will complete written analysis on relationships with smaller commercial and agricultural exposures. Analyst will complete annual reviews varying in smaller exposures and complexity level to maintain asset quality. In this role the employee will assist with administrative reporting for officers loan committee, credit risk committee and various other meetings. Analyst will shadow seasoned analysts and officers on a regular basis to enhance skills.
Education and Experience:
Bachelor’s Degree with a degree in accounting or finance preferred. Equivalent education and commercial banking experience are also acceptable.
RMA Courses such as (not required all but a plus) 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
Skills and Abilities:
Ability to interpret data while researching, analyzing and drawing conclusions
Ability to read and begin to understand loan documentation, loan structures, financial statements along with having a financial wellness acumen
Ability to maintain a strong knowledge of loan policy and procedures
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
Team player able to work effectively in a team fostered, multi-tasking environment
Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook
Tasks Performed:
40% Analyze financial statements, prepare spreads, assist with covenant management
30% Shadow experienced analysts and work on line renewals, annual reviews, modifications and change memos.
20% Complete necessary administrative/reporting functions and duties for department
5% Participate in on-going training sessions and RMA classes as needed
5% Travel and other duties as assigned
Physical Requirements:
Communicate effectively with internal and/or external customers
Stationary 75% of time or greater
Move Objects to Maximum 10 lbs
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.
NBT Bank offers a stimulating work environment that recognizes talent and encourages teamwork. Our employees benefit from a total compensation package, including competitive salary, bonuses and a wide range of benefits for eligible employees - like our Tuition Reimbursement Program. Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company.
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Pay Transparency Nondiscrimination Provision (https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp_%20English_formattedESQA508c.pdf)
Family Medical Leave Act (FMLA) Poster
Employee Polygraph Protection Act (EPPA) (https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf)
NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law. This policy applies to all terms of employment.
NBT Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the Careers website or submission process, please call 1-888-804-1771 or contact us via email at humanresources@nbtbank.com. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.