Credit Analyst II

Who are we?

For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily.

From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need.

At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated.

Who are you?

You are a skilled credit analyst with a passion for uncovering insights and making sound credit decisions. As a Credit Analyst III, you’ll play a critical role in evaluating complex loan requests, assessing risk, and providing strategic recommendations that shape our lending decisions. You’ll have the opportunity to work on high-level credit analyses, mentor junior analysts, and collaborate with key stakeholders to drive results. At C&N, we foster a culture of trust, integrity, and professional growth. If you thrive in a dynamic environment where your expertise makes a real impact, we’d love to have you on our team. Join us and take the next step in your credit analysis career!

You will be responsible for:

1. Financial Analysis & Loan Underwriting – Reviewing and analyzing financial statements for complex borrowers, determining additional information needs, and maintaining loan request status updates.

2. Credit Approval Documentation – Preparing detailed credit approval documents, and assessing strengths, weaknesses, conditions, and financial projections to support lending decisions.

3. Credit & Financial Investigation – Researching borrower creditworthiness using credit bureaus, industry trends, and financial sources, ensuring underwriting data is current and comprehensive.

4. Annual Credit Reviews & Risk Assessment – Conducting timely annual reviews, assigning appropriate risk ratings, and updating internal records to ensure compliance with loan policies.

5. Risk Rating & Credit Approval – Assisting in risk rating assignments, providing recommendations for adjustments, and exercising credit approval authority within policy guidelines, including participation in credit committees.

6. Client Relationship & Business Development – Partnering with lenders to meet with clients, assessing business operations, addressing underwriting inquiries, and promoting banking products and services.

Requirements:

Education & Experience – You will need a Bachelor’s degree in Accounting, Finance, or a directly related field AND 2-4 years of previous related experience and/or training.

Skills – You should possess well-developed abilities and a proven track record in the following areas:

• Developed analytical and critical thinking skills with the ability to identify strengths and mitigate risks.
• Excellent organizational skills and attention to detail.
• Proficient in conducting thorough research.
• Effective verbal and written communication skills.
• Knowledgeable of Accounting Standards and experience working with tax returns.

Key Competencies – The combination of skills, behaviors, and attributes required to perform effectively in a role and achieve organizational goals include:

• Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.
• Instills Trust: Maintains integrity, follows through on commitments, and earns credibility through consistent actions.
• Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
• Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations.
• Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.
• Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes.

Why C&N?

At C&N, we’re more than just a team – we’re a community working together toward a shared mission: the success of our customers, teammates, shareholders, and communities.

• Achieve & Grow: Your success is our success. At C&N, you’ll grow alongside our customers as we work together to achieve meaningful goals.
• Learn & Develop: Collaboration is at the heart of what we do. You’ll learn from and with your teammates, fostering both personal and professional growth.
• Contribute & Be Rewarded: Your contributions make a difference, and we recognize your impact through competitive rewards and career advancement opportunities.
• Share & Celebrate: Together, we give back and celebrate the milestones that matter to our communities.

We’re proud of our award-winning workplace culture, recognized repeatedly with the NBRI Circle of Excellence Award. At C&N, we live our values every day, creating a supportive, inclusive, and dynamic environment where you can thrive.

Comprehensive Benefits for Your Success:

At C&N, we offer more than just a competitive salary – our robust benefits package is designed to support your well-being, career growth, and work-life balance. Highlights include:

• Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.
• Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
• Health & Wellness:
  • Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.
  • Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.
  • Employer-paid life and disability insurance.
  • Additional voluntary coverages to meet your unique needs.
• Career Development: Access to education and development programs and ongoing support for personal and professional growth.

With C&N, you can customize your benefits to fit your life while growing your career in a supportive and rewarding environment.