Credit Analyst III

Pay Range: $71,823.00 - $95,780.00 Responsibilities 65% Prepare accurate and detailed analytical memorandums on customers with larger exposures for commercial and industrial borrowers including complex borrowing structures and commercial real estate (office, industrial, multi‑family, affordable housing, construction). These memorandums will include annual reviews, renewals and new money deals. 15% Analyze financial statements, prepare spreads and cash flows, complete modifications, waivers, and change memos as needed. Modify and restructure existing loans with loan officers. 10% Willingness to collaborate with newer analysts in order to build training skills of the analyst as well as foster development of newer analysts. 5% Travel and other duties as assigned. Education and Experience Bachelor’s Degree with a degree in accounting or finance preferred. Equivalent education and 3-4+ years as a Commercial Credit Analyst or comparable experience are also acceptable. Required Training and Certifications RMA Courses such as: Analyzing Business Tax Returns; Analyzing Personal Finance Statement and Tax Returns; Cash Flow Analysis – UCA Fundamentals; Commercial Real Estate Lending; Accounting and Ratio Analysis; The Business of Commercial Banking; Ethics and Decision Making; Borrower Analysis: Qualitative Factors; Balance Sheet Analysis; Income Statement Analysis; Combined Balance Sheet and Income Statement Analysis; or other trainings through the American Institute of Banking. Leadership programs (through NBT or other institutions) for coaching, mentoring, self‑awareness, etc. RMA or Credit Risk certifications and/or Sales Training. Established Individual Development Plan. Key Skills and Abilities Strong working knowledge and understanding of traditional financial analysis with the ability to interpret data while researching, analyzing and drawing conclusions. Ability to read loan documentation, understand loan structures, protect asset quality and read/understand financial statements along with having a financial wellness acumen. Ability to maintain strong knowledge of loan policy and procedures. Ability to identify key trends during analysis and maintain critical thinking. Ability to use a loan origination system/spreading software. Strong organizational, time management, and prioritization skills with attention to detail. Excellent verbal, written, and interpersonal communication skills with strong presentation skills. Ability to make decisions effectively and handle conflict resolution with confidence. Team player able to work effectively in a multi‑tasking environment while developing, nurturing and leveraging relationships, both externally and internally. Ability to work complex relationships with minimal oversight. Willingness to provide mentorship to younger analysts. Proficient in Microsoft Office suite, e.g., Excel, PowerPoint, Word, Outlook and experience in loan origination systems is a plus. Physical Requirements Communicate effectively with internal and/or external customers. Stationary 75% of time or greater. Move Objects to Maximum 10 lbs. Benefits Benefits for Full‑Time Employees: Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. Parental Leave: Six weeks of paid leave at 100% of your salary. Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Dental and Vision Coverage: Ensuring your overall health and well‑being. Flexible Spending Accounts: For healthcare and dependent care expenses. Employer‑Paid Disability Coverage: Both short‑term and long‑term, with an option to purchase additional long‑term coverage. Life Insurance: Employer‑paid basic life insurance, with an option to purchase supplemental coverage. Voluntary Benefits: Including hospital, accident, and critical illness coverage. Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. Adoption Assistance: Supporting your growing family. Tuition Reimbursement: Invest in your education and career growth. Employee Assistance Program (EAP): Access to support and resources. Pet Insurance: For all your furry friends. Financial and Banking Services: Various banking services benefits and financial planning assistance. Benefits for Part‑Time Employees Working 20+ Hours/Week: Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Dental and Vision Coverage: Ensuring your overall health and well‑being. Voluntary Benefits: Including hospital, accident, and critical illness coverage. Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part‑Time Employees: Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year. Paid Sick and Safe Leave: For your health and safety. Employee Assistance Program (EAP): Access to support and resources. Financial and Banking Services: Various banking services benefits and financial planning assistance. Equal Employment Opportunity Statement EEO is the law. EEO is the Law Poster Supplement Pay Transparency Nondiscrimination Provision Family Medical Leave Act (FMLA) Poster Employee Polygraph Protection Act (EPPA) NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law. This policy applies to all terms of employment. NBT Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the Careers website or submission process, please call View phone number on click.appcast.io or contact us via email at View email address on click.appcast.io. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST. #J-18808-Ljbffr NBT Bancorp Inc.