Job Description

The Senior Commercial Credit Analyst position has primary responsibility of underwriting leveraged loans, underwriting the larger and most complex requests for commercial loans, commercial lines of credit, commercial time notes and commercial mortgages as well as managing the leveraged loan portfolio. The Sr. Commercial Credit Analyst will also be responsible to underwrite credit cards.

Essential Job Functions:

• Underwriting loans according to the Bank’s credit policy and making recommendations for approval or declination.
• Thorough analysis, presentation, and recommendation of loan requests to approving authorities.
• Underwriting leveraged loans and managing the review process for leveraged loans.
• May be granted lending authority and may be eligible for Officer level titles as determined by Senior Management.
• Assists in reviewing the Bank’s policies effecting commercial lending (Commercial Credit Policy, Lending Limits Policy, etc.), and departmental procedures.
• Responsible for scheduling and assigning monthly renewals to the analyst team.
• Assist the VP, Credit Administration Manager and AVP, Commercial Credit and Portfolio Management in preparing weekly, monthly and quarterly reports as needed.
• May be asked to assist with any underwriting software administrative/technical issues and utilization as well as other technology utilized by the Department.
• Responsible for assisting management with the training of department interns and new staff.
• Efficient interaction with external and internal customers, accountants and other centers of influence.
• Knowledgeable of bank and commercial lending processes, departmental information systems and software and applicable legal, compliance, and Federal and State regulatory requirements.
• Competence in the Microsoft Office suite, primarily Outlook, Excel and Word.

Education & Experience:

• BA/BS degree in Business Administration, Finance or Accounting and a minimum of 3 to 5 years of commercial credit experience.
• An MBA is preferred.
• Should have strong knowledge of the bank’s credit policy, goals and expectations, and Federal and State banking regulations.
• Require a solid understanding of accounting practices, financial statements/tax returns and an ability to identify risk.

Salary Range: $110k - $115k

Rhinebeck Bank: Local. Involved. Responsible.

If you are talented, motivated and can get things done, we have career opportunities for you. We are looking to hire people who want to excel. We will grow your career through coaching, mentoring and supportive management.

As an Equal Opportunity / Affirmative Action Employer, Rhinebeck Bank will not discriminate in its employment practices due to an applicant's race, color, religion, sex, national origin, veteran or disability status, sexual orientation, gender identity, transgender status, or any other characteristics protected under applicable law.