Commercial Credit Analyst

Evaluate and determine the credit risks of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.

Annual salary: $45,000

Primary responsibilities:

• Utilize Sageworks (Abrigo) Credit Analysis to spread tax returns and financial information to prepare cash flow analysis.
• Analyze financial information and related materials, and complete the credit analyses for the Bank’s commercial loan transactions.
• Conduct credit investigations and analyze credit information pertaining to loans.
• Review all pertinent credit and financial information, including, but not limited to, financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data.
• Prepare or assist in the preparation of commercial loan presentations and annual commercial loan reviews.
• Assist loan officers as needed with analysis for loan presentations.
• Track and request financial information for commercial borrowers and guarantors.

Our benefits package includes:

• Two retirement plans with employer matching contributions
• Insurance coverage, including medical, dental, vision, life, and disability
• Generous paid time off and sick time, plus paid holidays

The Delaware National Bank of Delhi is an Affirmative Action/Equal Opportunity Employer. We offer equal opportunities to all persons without regard to race, color, religion, age, sex, gender identity, disability, national origin, ancestry, citizenship, military or veteran status, sexual orientation, domestic violence victim status, predisposing genetic characteristics or genetic information, or any other status protected by law. Applicants who require reasonable accommodation during the application process may contact Human Resources at 855-413-3544.

• Bachelor's degree in Accounting, Finance or related field, or work experience in these fields
• In-depth understanding of personal and business tax returns and financial statements
• Analytical ability to understand financial and cash flow analysis
• Excellent verbal and written communication skills
• Strong attention to detail and organizational skills
• Solid background in spreadsheet applications and word processing
• Familiarity with using the Internet as a research tool