Credit Analyst

Credit Analyst Opportunity at Ballston Spa National Bank (BSNB)Invest in your future with BSNB! Are you looking to advance your Credit career with a nationally recognized community bank that is named one of the Best Places to Work? Ballston Spa National Bank (BSNB) is looking to hire a Credit Analyst to join our Credit Administration Team.How do we invest in you? This position earns competitive pay. We also offer great benefits, including medical, dental, vision, a 401(k) plan with a company match, a pension plan, 11 paid holidays, generous paid time off (PTO), company-paid life insurance, voluntary insurances, and more. If this sounds like the right opportunity for you, join our close-knit team today!A DAY IN THE LIFE OF THE CREDIT ANALYST: As a Credit Analyst, you will be responsible for underwriting loan requests and assessing credit risk by utilizing the client's business plan, financial statements, and related materials provided in conformity with standard financial reporting requirements and BSNB's lending policies. You will work closely with BSNB's Commercial Lending team and communicate with clients to obtain such materials in preparation of loan approval memoranda and credit file updates. In addition, you will be responsible for construction loan monitoring and appraisal reviews.QUALIFICATIONS OF THE CREDIT ANALYST: The ideal candidate will have a minimum of 5 years' Commercial Credit Analyst experience coupled with the highest levels of customer service and follow-through. A proven track record of process analysis and a proactive approach to problem solving; good analytical skills and a high level of attention to detail required. Bachelor's degree in Business, Finance or related field required.OUR INVESTMENT IN YOUBSNB offers a generous compensation and benefits package. This includes medical, dental, vision, company-paid life insurance, voluntary insurance, both a 401k) 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 key to your growth and satisfaction.ABOUT BALLSTON SPA NATIONAL BANK (BSNB) Established in 1838, we are proud to provide financial solutions to businesses, individuals and families located in the greater Capital Region and beyond. Thirteen full-service banking offices coupled with digital banking services provide products and services geared towards 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.