BankOnBuffalo, Credit Analyst

DescriptionCredit Analysts are committed and significantly influential to the commercial lending process, assisting business development officers and members of management to make timely lending decisions that are beneficial to the Bank. In this position, a credit analyst reviews and analyzes business financial statements, personal financials, credit bureaus, debt schedules, collateral values, and industry trends to prepare concise and accurate reports for approval by management.Senior analysts may be asked to support in the training of junior analysts, as well as to assist department management in preparing reports for Senior Management. Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position. KEY RESPONSIBILITIES * Analyze Business and personal financial statements * Analyze Collateral Coverage * Prepare Presentation Reports for Management to Decision Potential New Loans * Prepare Reports for the Annual Review of Revolving Lines of CreditATTITUDES Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating: * Respect for clients, co-workers and self * Client Focus - making sure that the work we do and the solutions we provide can benefit both the Bank and the Client * Inclusion - We are a diverse company across multiple states. As such, we need to be able to be inclusive of all our team members BEHAVIORS Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating: * Leadership in various potential ways when called upon to do so. * Integrity, which is key to maintaining good public standing with our clients. * Collaboration. We need to relay on many other teams and individuals to be able to meet our clients' needs, so being able to constructively work with others in our organization is key. * Volunteerism. CNB likes for its employees to be involved in the communities in which they live. There are many different avenues for achieving volunteerism. COMPETENCIES Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating: * Accountability - It is important for Credit Analysts to be able to stay on top of their workload and keep things moving forward when possible. * Innovation - When appropriate, Credit Analysts may need to work with the lenders to find a solution that is alternate to the original request. * Professionalism - All employees are expected to maintain professional conduct when in communication with other employees or clients. POSITION LEVEL(S) EXPECTATIONS (if applicable) * Credit Analyst I - Primary handles the underwriting of smaller loan requests * Credit Analyst II - Continues work on smaller loan requests, but can proficiently and consistently produce quality work on mid-level loan requests * Credit Analyst III - Primarily handles the larges loan requests that go to Loan Committee, but may be called to work on mid level and smaller loans as needed. SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. The type and scope of these opportunities will be discussed with the department manager when appropriate. RequirementsQUALIFICATIONS, EDUCATION, & EXPERIENCE To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree