Job Description:

Seeking motivated banking professional or a candidate with a desire to learn commercial banking with strong interpersonal skills with a willingness to work diligently preparing loan presentations and completing thorough reviews of customer files. The position would include working on both C&I and Commercial Real Estate relationships, analyzing the overall loan portfolio and providing assistance to account officers to manage existing and new customer relationships. The analyst would also be given a loan portfolio of customers to manage.

Job Responsibilities/Skills:

Extract data from financial documents to provide accurate cash flow analysis and commentary
Identify, evaluate, and mitigate credit risk of the loan portfolio
Assess credit quality with risk rating recommendations
Prepare loan presentations of a high quality for review in loan committee
Assist with determining collateral values and assist account officers with collateral inspections
Assist in credit administration duties including the tracking of ticklers and financial reporting covenants
Ensure compliance with bank, state, and federal policies, procedures, laws and regulations
Work with account officers to contact customers and accountants to gather required information and answer questions pertinent to complete credit requests
Manage loan and portfolio quality of an existing book of business

Job Qualifications:

Bachelor Degree in Finance, Accounting or related field
0-5 + Years of commercial underwriting experience. An emphasis in commercial real estate is a plus
Excellent verbal and written communication skills
Strong analytic and reasoning skills
Ability to identify and resolve problems in a timely manner
Strong Microsoft Excel skills

Albany Bank & Trust Co NA (Albank)

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Albany Bank & Trust Co NA (Albank) | Commercial Credit Analyst