Job Description

Rhinebeck Bank is committed to providing exceptional service and financial solutions to our customers. We value talent, growth, and collaboration. We are seeking a Commercial Credit Analyst I to join our dynamic team. This position offers an exciting opportunity to grow and develop within the banking industry while supporting our Branch Managers and commercial lending team.

As a Commercial Credit Analyst I, you will be responsible for analyzing requests for Branch Manager-level new money commercial loans, commercial line of credit renewals, express loans, annual reviews, credit cards, and PPCs. The role offers the potential for career advancement into a Commercial Credit Analyst II. The ideal candidate will have a strong foundation in commercial credit analysis and a passion for professional development.

Essential Job Functions:

• Underwrite commercial loans in accordance with the bank’s credit policies, providing recommendations for approval or declination.
• Conduct thorough analysis and prepare detailed, written presentations of loan requests for submission to approving authorities.
• Maintain efficient and effective communication with external and internal customers, accountants, and other stakeholders.
• Assist with detail-oriented projects and ad-hoc requests as needed.
• Develop and maintain a comprehensive understanding of the bank’s lending processes, systems, and regulatory compliance.
• Collaborate with team members and contribute positively to a cooperative team environment.
• Utilize Microsoft Office Suite (Outlook, Excel, Word) for reporting, analysis, and communication.

Education & Experience:

• Bachelor’s Degree in Finance, Accounting, or a related field required.
• At least 1 year of commercial credit experience is preferred.
• Completion of a Credit Training Course is preferred.

Other Qualifications:

• Strong attention to detail and analytical skills.
• Ability to work efficiently under pressure and meet deadlines.
• Collaborative mindset with the ability to contribute to team goals.
• Proactive attitude towards learning and staying up to date with industry trends and regulatory requirements.

Salary Range: $60,000 - $65,000

Equal Opportunity Employer Statement:

As an Equal Opportunity / Affirmative Action Employer, Rhinebeck Bank does not discriminate in its employment practices based on race, color, religion, sex, national origin, veteran or disability status, sexual orientation, gender identity, transgender status, or any other characteristics protected by law.