Credit Analyst I

Pay Range: $26.32 - $35.11

Analyzes corporate financial statements including audited, review level as well as corporate tax returns. Analyst will spread financial statements, borrowing base spreads and assist with covenant management. Analyst will complete written analysis on relationships with smaller commercial and agricultural exposures. Analyst will complete annual reviews varying in smaller exposures and complexity level to maintain asset quality. In this role the employee will assist with administrative reporting for officers loan committee, credit risk committee and various other meetings. Analyst will shadow seasoned analysts and officers on a regular basis to enhance skills.

Education and Experience:

• Bachelor’s Degree with a degree in accounting or finance preferred.  Equivalent education and commercial banking experience are also acceptable.
• RMA Courses such as (not required all but a plus) Accounting and Ratio Analysis, The Business of Commercial Banking, Ethics and Decision Making, Borrower Analysis: Qualitative Factors, Balance Sheet Analysis, Income Statement Analysis, Combined Balance Sheet and Income Statement Analysis

Skills and Abilities:

• Ability to interpret data while researching, analyzing and drawing conclusions
• Ability to read and begin to understand loan documentation, loan structures, financial statements along with having a financial wellness acumen
• Ability to maintain a strong knowledge of loan policy and procedures
• Strong organizational, time management and prioritization skills with attention to detail
• Excellent verbal, written, and interpersonal communication skills with strong presentation skills
• Ability to make decisions effectively and handle conflict resolution
• Team player able to work effectively in a team fostered, multi-tasking environment
• Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook

Tasks Performed:

• 40% Analyze financial statements, prepare spreads, assist with covenant management
• 30% Shadow experienced analysts and work on line renewals, annual reviews, modifications and change memos.
• 20% Complete necessary administrative/reporting functions and duties for department
• 5% Participate in on-going training sessions and RMA classes as needed
• 5% Travel and other duties as assigned

Physical Requirements:

• Communicate effectively with internal and/or external customers
• Stationary 75% of time or greater
• Move Objects to Maximum 10 lbs

Why Work at NBT

At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success. 

Wellbeing 

At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. 

Community Involvement 

NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. 

Culture 

NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. 

Career Development 

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. 

Total Rewards 

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.   

Business Stability 

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. 

Benefits for Full-Time Employees: 

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. 

• Parental Leave: Six weeks of paid leave at 100% of your salary. 

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