Credit Analyst II

Salary Range: $65,000 - $75,000

PRIMARY RESPONSIBILITY:

The Credit Analyst II is primarily responsible for underwriting routine to complex commercial loan requests in the Commercial & Industrial (C&I) and Commercial Real Estate (CRE) areas. This includes analyzing financial information and preparing the credit analyses, ensuring that all loan requests adhere to GRB’s loan policy and/or SBA requirements. Prepare the credit analyses which serves as the basis for approval of all commercial credit relationships. The Credit Analyst II also assists the Senior Credit Officer with various projects.

ESSENTIAL FUNCTIONS:

• Analyze financial statements of all levels of quality and for a variety of different industries. Identify strengths and weaknesses, as well as primary and secondary repayment sources, as it pertains to a borrower’s and/or corporate guarantor’s historical operating performance, or in the case of new credit being extended, performance on a proforma or projected basis.
• Work with the Relationship Managers to efficiently prepare credit analyses to process new loan requests and annual reviews. This includes, but is not limited to, analyzing information on affiliated debt, identifying major trends, and establishing risks and mitigants that support the risk rating.
• Evaluate all facets of a guarantor’s personal resources through analyzing personal tax returns, personal financial statements and credit reports, including understanding the implications of transaction solely reported for tax purposes.
• Responsible for completing assigned reviews, including annual, vendor and MBDs.
• Utilize the nCino platform and all functions at with a strong level of understanding, primarily generating and preparing the appropriate credit memo.
• Review the loan documentation file, as necessary, to ensure that loans met the conditions of the previous approval.
• Review the loan policy to ensure that loans meet the bank's policy requirements.
• Review the Small Business Administration’s SOP to ensure that loans meet the SBA’s policy requirements and discuss possible deal structure alternatives.
• Assists the Senior Credit Officer with various projects. Tasks may include, but are not limited to, setting up the weekly Loan Committee meetings and notifying the appropriate committee members using the Board Portal; proofread all analyses prior to distribution; set up Manager and Board Loan Committee agendas and ensure Committee Minutes are taken.
• Assist in identifying improvements to the credit process.
• Meet Credit Management's expectations in performance, productivity and quality standards.
• Active participation in demonstrating the behaviors outlined in the GRB Experience.
• All other duties as assigned by the Senior Credit Officer.

EDUCATION AND EXPERIENCE:

Bachelor’s degree in Accounting, Business, Finance or a business related discipline required and a minimum of two years of credit analysis in commercial banking or commensurate experience in public accounting, or the equivalent combination of education and experience.

• Working knowledge of nCino or other underwriting software required.

COMPETENCIES:

• Provide a remarkable client experience. Greet fellow employees and clients with warmth, genuine interest and a smile.
• Lead by example. Identify current or potential problems, take ownership and see them through to resolution.
• Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.
• Ability to work independently; reaches out for assistances as needed. Seek and incorporate feedback on your performance from management, co-workers and clients.
• Demonstrated PC literacy, including Word and Excel.
• Strong communication skills.
• Detail-oriented, conscientious, sensitive to confidential information, and efficient work habits required.
• Proven aptitude in administration, commercial banking, and financial analysis.
• Strong analytical and critical thinking skills.

WORK ENVIRONMENT:

The work environment is indoor and climate-controlled office. On occasion, an employee may work outdoors when real estate inspections are performed. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, sexual orientation, gender identity, marital status, disability, veteran status, or any other basis protected by applicable federal, state or local law.

THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)