Credit Analyst

Description

Location: Oswego, NY or East Syracuse, NY

Apply Today: If you're detail-oriented, organized, and ready to grow your career in commercial lending with a community-focused bank, we want to hear from you. Join the Pathfinder Bank team and be part of something meaningful.

Join a team that values your expertise and your community: At Pathfinder Bank, you're not just an employee, you're a valued part of a team that takes pride in helping local businesses and communities grow. When you join us, you’re joining a people-first culture built on respect, development, and service.

We offer:

• Competitive compensation and benefits, including health coverage, 401(k) with company match, and generous paid time off
• A commitment to career growth and internal mobility
• Community-focused culture with paid volunteer opportunities
• A supportive team that truly values your contributions

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

1. Perform credit analysis on loan applicants, including recommendations regarding ideal credit structure, review frequency, security requirements and approval/denial of request. 
2. Reviews and analyzes the risk and financial strength of loans that are currently within the banks commercial loan portfolio. 
3. Prepare loan presentations for approval by lenders, Officers Loan Committee and or Executive Loan Committee. 
4. Maintain knowledge of regional and national economic conditions, financial trends, lending regulations, loan documentation, delinquency trends and loan procedures. 
5. Accompany lenders on customer calls to discuss request and to understand outstanding questions to complete accurate write ups. . 
6. Spread financial statements in BakerHill and complete cash flows to assist lenders in making preliminary loan decisions. 
7. Any additional tasks that may be assigned. 
8. Complete annual reviews and any additional periodic analysis. 
9. Assist in the maintenance of credit files and BakerHill system 
10. Assist in the audit process with regulators and third party loan review firms

Requirements

• Intermediate computer skills including Microsoft Word and Excel
• Ability to understand and learn the banks internal systems
• Excellent customer service skills