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About the Role
The Commercial Credit Analyst I supports the Bank's underwriting functions by analyzing and underwriting commercial loan relationships of low to moderate complexity. This role prepares credit memoranda, evaluates borrower financial performance, identifies credit risks, and supports prudent credit decision-making in accordance with the Bank’s credit policies and underwriting standards.
Responsibilities
- Spread and analyze borrower and guarantor financial statements, tax returns, and cash flow projections.
- Prepare complete and well supported credit memoranda for new loans, renewals, modifications, and annual reviews.
- Perform in depth analysis of liquidity, leverage, cash flow, repayment capacity, and global cash flow.
- Identify key credit risks and recommend appropriate loan structures, covenants, collateral, and guarantor support.
- Assess borrower trends, industry factors, and structural risks impacting credit quality.
- Support relationship managers by providing timely and accurate credit analysis.
- Monitor assigned portfolio relationships for covenant compliance, financial reporting, and emerging risk.
- Follow up on financial statement requirements and borrower information as needed.
- Participate in portfolio reviews and deal structuring discussions.
- Accompany relationship managers on customer calls, as appropriate, to support financial discussions, clarify credit information, and gain deeper understanding of borrower operations.
- Apply the Bank’s credit policies, underwriting guidelines, and documentation standards consistently.
- Assist with initial and ongoing risk rating assignments and updates.
- Identify deterioration or emerging concerns and promptly communicate findings to credit leadership.
- Ensure credit files and analysis are complete, accurate, and well documented.
- Develop strong understanding of commercial credit risk principles and underwriting standards.
- Contribute to effective workflow, accuracy, and consistency within the credit function.
- Develop technical credit skills and industry knowledge.
- Assist with special projects related to the job function, as determined by credit management.
- Provide assistance wherever necessary to help the Credit Department and the Bank in achieving their goals.
Requirements
- Proficient reading, writing, grammar and mathematics skills.
- Proficient interpersonal relations and communications skills.
- Thorough knowledge of financial statement analysis, loan structuring, current laws/regulations applicable to commercial lending, and loan policies and procedures of the Bank.
- Ability to work productively with varying levels of management and staff.
- Self-starter approach with a high degree of initiative.
- Ability to work independently with minimal to moderate supervision.
- High proficiency in Microsoft Excel and Word is required.
- Commercial banking, accounting, or finance-related internship experience is preferred.
- Recent college graduates with relevant academic coursework are encouraged to apply.
Skills
- Financial statement analysis
- Loan structuring
- Microsoft Excel
- Microsoft Word
Work Type
- Full-time
Experience Level
- Entry Level
Education Level
- BS or BA degree in Finance, Accounting, Business Administration, Economics or a related field.
Salary/Compensations
- USD $22.60/Hr.
- USD $3,393.00/Hr.
Benefits
- 11 paid holidays
- Paid vacation
- Medical, Vision & Dental insurance
- 401K with generous match
- Pension
- Tuition Reimbursement
- Banking discounts
About the Company
- Community Financial System, Inc. (CFSI) is dedicated to providing customers with friendly, personalized, high-quality financial services and products.
- Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts.
- Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration.
- CFSI is committed to its employees, offering competitive compensation, great benefits, and professional development and advancement opportunities.
Equal Opportunity
- As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities.
- The Company is an Affirmative Action, Equal Opportunity Employer.
- All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law.
- The Company will make reasonable accommodations for qualified individuals with a disability.
- If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the Human Resources Department.