Credit Analyst

Credit Analyst (Commercial Lending)Location: Rome, NY (Hybrid - periodic on-site required)Salary: $59,500 - $74,500 (based on experience)About Our ClientOur client is a well-established, mission-driven financial institution serving Central New York and beyond. With a strong reputation for stability, community impact, and employee satisfaction, they've built a culture centered around people "” both their members and their team. They offer the best of both worlds: the scale and resources of a large organization, paired with a collaborative, community-focused environment where your work truly matters.The OpportunityThis is a strong opportunity for a Credit Analyst with commercial lending exposure to step into a well-rounded, impactful role. You'll play a key part in evaluating commercial credit risk, supporting underwriting decisions, and helping manage portfolio performance, while also gaining exposure to systems, analytics, and process improvement initiatives. If you're someone who enjoys digging into financials, understanding business risk, and working cross-functionally "” this role offers excellent long-term growth.What You'll Be DoingCommercial Credit AnalysisAnalyze financial statements, cash flow, and borrower performanceIdentify trends and assess credit risk across commercial relationshipsPrepare clear, well-supported credit recommendationsComplete annual credit reviews in a timely mannerUnderwriting & Risk SupportSupport credit decisions aligned with internal policies and risk toleranceAssist with complex or higher-risk credit evaluationsProvide secondary review and analytical support as neededPortfolio Analytics & ReportingMonitor portfolio health, including risk ratings, concentrations, and exceptionsSupport stress testing and scenario analysisBuild and maintain reporting tools and dashboardsSystems & Process ImprovementWork within commercial underwriting and financial spreading toolsAssist with system enhancements, testing, and workflow improvementsHelp drive consistency and efficiency across credit processesCompliance & Data IntegrityEnsure accuracy and integrity of credit and portfolio dataSupport audits, reviews, and regulatory examinationsCross-Functional CollaborationPartner with Credit, Lending, Risk, and IT teamsContribute to ongoing process improvements and documentationWhat We're Looking ForExperience in commercial credit analysis, underwriting, or bankingStrong understanding of financial statements and cash flow analysisAbility to assess risk and make sound, data-driven recommendationsExperience with credit systems, financial spreading tools, or reporting is a plusStrong attention to detail and ability to manage multiple prioritiesComfortable working cross-functionally in a collaborative environmentWhy This Role Stands OutHybrid flexibility with a stable, growing organizationStrong exposure to both credit analysis and portfolio strategyOpportunity to work on systems, analytics, and process improvementsClear path for career growth within commercial lending/creditSupportive, team-oriented cultureCompensation & BenefitsCompetitive base salaryComprehensive medical, dental, and vision coverage401(k) with employer matchGenerous PTO, holidays, and additional personal timeTuition reimbursement and professional development supportCompany-paid life insurance and disability coverageEmployee-focused culture with regular events and recognitionTo apply, submit a resume to cnyjobs@ today!Sapphire Recruitment is an EOE

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