Job Description

Invest in your future at BSNB!

BSNB is seeking a Commercial Credit Analyst to support our commercial lending team.

A DAY IN THE LIFE

In this role, you will review financial information, assess borrower creditworthiness, and assist with loan recommendations for commercial borrowers.

You will work closely with lending professionals to support quality credit decisions and maintain a strong loan portfolio.

ESSENTIAL DUTIES

• Analyze business financial statements.
• Assess borrower risk profiles.
• Prepare credit presentations and recommendations.
• Support commercial lending decisions.
• Review loan documentation.
• Monitor portfolio quality.

QUALIFICATIONS

• Bachelor's degree in Finance, Accounting, Business, or related field required.
• Minimum five years of commercial credit analysis experience preferred.
• Strong understanding of commercial financial statements and cash flow analysis.
• Excellent analytical and critical thinking skills.
• High level of accuracy and attention to detail.
• Ability to manage multiple deadlines and priorities.
• Strong written and verbal communication skills.

OUR INVESTMENT IN YOU

BSNB offers a generous compensation and benefits package. This includes medical, dental, vision, company-paid life insurance, voluntary insurances, both a 401(k) plan with a company match and a pension plan, and tuition reimbursement.

We invest in you with a generous paid time off package along with 11 paid holidays. We believe providing a work-life balance is key to your success and investing in your professional development is an important aspect of your growth and satisfaction.

ABOUT BALLSTON SPA NATIONAL BANK

Established in 1838, we are proud to provide community banking to individuals, families, and businesses located in the greater Capital Region. Thirteen full-service banking offices provide products and services and digital capabilities geared toward meeting the needs of the markets we serve. As a community-minded financial institution, we make giving back and volunteer work a priority.

BSNB provides all employees and applicants an equal employment opportunity in the manner required by law in all aspects of employment regardless of race, color, religion, creed, national origin, age, sex, sexual orientation, gender identity or expression, marital status, military status, disability, predisposing genetic characteristics, domestic violence victim status, or any other status protected by local, state, or federal law. BSNB is a VEVRAA employer and has a desire for priority referrals of protected veterans. We thank all applicants for their interest and will contact those candidates who are under consideration.