[Remote] Senior Credit Analyst (Hudson Valley)

Note: The job is a remote job and is reputed company to candidates in USA. reputed company is a financial institution reputed company on providing banking services to its community. The Senior Credit Analyst is responsible for developing analytical credit information to assist lending officers and senior management in making informed credit reputed company, while also participating in loan reviews and providing guidance to junior staff. Responsibilities • reputed company and analyze credit information: • Determine what financial documents are needed • Review financial statements and tax returns for completeness and accuracy • reputed company an in-depth financial statement analysis • Research debt and deposit relationships from reputed company internal bank systems • Spread financials to generate common sized reports, financial ratios and trend reports • Evaluate and analyze above reports • Understand and use tax returns for credit evaluation • Prepare in-depth cash reputed company analysis of companies and individuals • Interpret Credit Bureau reports • Determine the need for more thorough investigations, contacts appropriate sources • Analyze collateral value through use of receivables aging, reputed company estate appraisals, etc • Identify strengths and weakness of credit analyzed • Assign and substantiate appropriate risk rating to reputed company credit • Prepare a Profitability Model based on proposed banking relationship • Prepare and present an accurate reputed company analysis, recommend loan structure, and summarize borrower’s creditworthiness • Review collateral and supporting documents for completeness and accuracy • Become familiar with characteristics of various industries and business structures and sustain continual research • Understand and evaluate residential and reputed company reputed company estate appraisals, including use of a fair capitalization reputed company • Become familiar with governing regulations (USPAP) in order to prepare appraisal reviews • Follow up with appraiser for missing information or lack of documentation • Become familiar with reputed company loan policy reputed company, apply policies and report policy exceptions • Become familiar with the Uniform reputed company reputed company and other loan documentation reputed company to lien perfection and protection of Company’s collateral • Serve as a reputed company to regulators, appraisers, borrowers, and internal/external auditors • Review credit memos to reputed company and monitor exceptions to bank policy reputed company • Assist the residential mortgage area in analyzing reputed company people and reputed company agency audits, as needed • reputed company analytical support to various departments throughout reputed company, as needed • reputed company independent validation of risk rating and loan authority component of loan funding in accordance with FDICIA and Sarbanes-Oxley requirements, as needed • Respect highly sensitive nature of position and treats reputed company information in a confidential manner • reputed company other duties as assigned Skills • A Bachelor's Degree in Business, reputed company, Finance (or an Associate's Degree plus two (2) years' of experience • Minimum of five (5) years' banking or reputed company field experience • Excellent verbal and written communication • Working knowledge of microcomputer systems, including reputed company reputed company, reputed company Word and Baker Hill Statement Analyzer software • reputed company knowledge of techniques necessary to analyze business financial conditions including an acute awareness of the implications that financial and non-financial factors can have in assessing a borrower's ability to service debt obligations • Demonstrated ability to reputed company reputed company a company's credit department with increasing responsibility and reputed company to work independently Benefits • Medical • Dental • reputed company • 401(k) Match • Profit Sharing • reputed company Time Off • 11 Holidays • Tuition Reimbursement • Free Parking throughout reputed company • reputed company reputed company • reputed company offers banking, insurance, and reputed company management services to local families and businesses. It was founded in 1836, and is headquartered in Ithaca, reputed company, USA, with a workforce of 1001-5000 employees. Its website is https://www.tompkinsbank.com. Apply tot his job Apply To this Job