Senior Credit Analyst jobs at NBT Bancorp Incorporated

Senior Credit Analyst (E5) Chelsea Groton is looking to hire motivated and dynamic individuals for our Credit Department. The Senior Credit Analyst is responsible for conducting in-depth credit analysis on commercial lending relationships, assessing risk, and making recommendations that align with our bank's credit policies and risk appetite. The ideal candidate will bring strong financial acumen, sound judgment, and a collaborative mindset to support prudent lending decisions and portfolio management. Become a member of a positive, versatile and inclusive team that promotes self-development and empowerment for the benefit of our customers and our community. Responsibilities and Requirements vary based on job level. Expectations include: Perform comprehensive credit analysis on new and existing loan relationships, including financial statement review, cash flow analysis, and risk rating assignments. Prepare and present credit memos with well-supported recommendations to senior management and loan committees. Monitor portfolio performance and identify early warning signs of credit deterioration, recommending appropriate action when necessary. Ensure compliance with internal credit policies, regulatory requirements, and industry best practices. Collaborate with loan officers to structure credit solutions that meet client needs while maintaining sound risk management. Why Choose Chelsea? The Bank has been named a Top Workplace in Connecticut since 2016. And with good reason! Our team members are encouraged and empowered to be better, go further, and help others. And there are lots of other perks too - competitive salary, 401(k) plan, paid time off, health benefits, wellness and engagement programs, leadership training, professional development, and learning opportunities for all team members, and more! Several members of the Bank's team have been recognized in our industry and throughout the community by earning awards such as the Connecticut Bankers Association New Leaders in Banking, ICBA Forty Under 40, The Day Forty Under 40, Banking New England Women of FIRE, and more. At Chelsea Groton, we don't just meet the expectations of our community; we exceed them in the ways we, as a mutual bank, do business, and how we support local organizations financially and through volunteerism. We are focused on bringing together the best in digital, remote, and in-person capabilities. Our approach is designed around the lives of our customers so they can manage finances when, where and how they want, and team members can provide support to our customers in more ways too. Apply today to join a company named Best Bank by The Day (2015 - present), Top Workplace by the Hartford Courant (2016 - present), and one of Forbes Best-In-State Banks (2021, 2022)! Responsible for adhering to Bank policies and procedures relating to regulatory compliance requirements applicable to the job function including but not limited to the Bank Secrecy Act, Anti-Money Laundering, and Fair Lending. EOE/AA/M/F/D/V. Member FDIC.

Job Description Senior Credit Analyst (E5) Chelsea Groton is looking to hire motivated and dynamic individuals for our Credit Department. The Senior Credit Analyst is responsible for conducting in-depth credit analysis on commercial lending relationships, assessing risk, and making recommendations that align with our bank's credit policies and risk appetite. The ideal candidate will bring strong financial acumen, sound judgment, and a collaborative mindset to support prudent lending decisions and portfolio management. Become a member of a positive, versatile and inclusive team that promotes self-development and empowerment for the benefit of our customers and our community. Responsibilities and Requirements vary based on job level. Expectations include: Perform comprehensive credit analysis on new and existing loan relationships, including financial statement review, cash flow analysis, and risk rating assignments. Prepare and present credit memos with well-supported recommendations to senior management and loan committees. Monitor portfolio performance and identify early warning signs of credit deterioration, recommending appropriate action when necessary. Ensure compliance with internal credit policies, regulatory requirements, and industry best practices. Collaborate with loan officers to structure credit solutions that meet client needs while maintaining sound risk management. Why Choose Chelsea? The Bank has been named a Top Workplace in Connecticut since 2016. And with good reason! Our team members are encouraged and empowered to be better, go further, and help others. And there are lots of other perks too - competitive salary, 401(k) plan, paid time off, health benefits, wellness and engagement programs, leadership training, professional development, and learning opportunities for all team members, and more! Several members of the Bank's team have been recognized in our industry and throughout the community by earning awards such as the Connecticut Bankers Association New Leaders in Banking, ICBA Forty Under 40, The Day Forty Under 40, Banking New England Women of FIRE, and more. At Chelsea Groton, we don't just meet the expectations of our community; we exceed them in the ways we, as a mutual bank, do business, and how we support local organizations financially and through volunteerism. We are focused on bringing together the best in digital, remote, and in-person capabilities. Our approach is designed around the lives of our customers so they can manage finances when, where and how they want, and team members can provide support to our customers in more ways too. Apply today to join a company named Best Bank by The Day (2015 - present), Top Workplace by the Hartford Courant (2016 - present), and one of Forbes Best-In-State Banks (2021, 2022)! Responsible for adhering to Bank policies and procedures relating to regulatory compliance requirements applicable to the job function including but not limited to the Bank Secrecy Act, Anti-Money Laundering, and Fair Lending. EOE/AA/M/F/D/V. Member FDIC.

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week. This role is for Assistant Vice President level candidates. About the Bank Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches.Department Overview The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. The Specialty Finance Department (“SFD”) is responsible for originating, booking and monitoring credit facilities for both bilateral and syndicated loan transactions. SFD focuses on building and monitoring portfolio assets in 3 main product areas: Project Finance, Trade and Commodity Finance, Aviation, and Real Estate. Your Role Overview: The Associate will join the Aviation Finance Team which arranges financing transactions for airlines and lessors based in the Americas. The Associate will assist with all aspects of building and managing the aviation investment portfolio, with a particular focus on underwriting new investments and performing due diligence. In addition, the Associate will be responsible for monitoring, analyzing, and reporting on existing investments. Prior aviation experience is preferred, ideally covering airlines or lessors from a credit perspective. Your Duties and Responsibilities Reviews potential assets in aviation and prepares credit applications and makes investment recommendations. Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management. Monitors assigned assets/products/industries to maintain credit quality through asset/product/industry appropriate measures, i.e., financial analysis and trends, cross-sectional analysis, cashflow analysis and market value/liquidity. Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities. Responsible for all Head Office and Branch monitoring and reporting requirements, including rating review, business review of documentation, regulatory review, booking and financial and portfolio review requirements, with support from Operations Analyst as designated. May conduct business development activities. May conduct or support deal structuring activities. Performs other duties and responsibilities as assigned by management. Your Qualifications: Bachelor's degree in Finance or Economics or equivalent with 2+ years related experience. Good knowledge of finance and basic accounting. Good knowledge of commonly used research resources, including Bloomberg, EDGAR, and rating agencies. Basic knowledge of corporate finance transaction. Basic knowledge of loan markets. Proficient in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access) and some modeling capabilities. Excellent oral and written communication skills. Why you should join SuMi Trust:SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion. The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week. About the Bank: Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches. This role is open to candidates with AVP level experience. Department Overview: The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. FRM, as the second line of defense in the Branch, provides independent measurement, monitoring and evaluation services related to Financial Risks (Credit, Market and Liquidity), in addition to the efforts by process/business owners (Global Banking Unit and Global Market Unit) as the first line of defense. Financial Risk Management (“FRM”) establishes appropriate policies, procedures, and the risk management framework to evaluate the financial risks inherent in the Branch operations. FRM also conducts special scenarios analysis to quantitatively and qualitatively assess financial risk faced by the Branch and provides objective assessment of the Financial Risk to the Branch Management and the Head Office. FRM is directly involved in all financial risk related projects, matters and issues. Position Overview Fully knowledgeable on the day-to-day activities, resolves complex issues where expertise is required to interpret policies, guidelines, and practice. May be considered a subject matter expert for one or more functions or processes. Focus on operational execution and occasional broader planning within areas of expertise. May have direct report subordinate staff Your Duties and Responsibilities: Assist in the enhancement and effective oversight of the Branch's Risk Management Framework and related risk-control policies and procedures. Perform independent loan reviews to evaluate the creditworthiness of the obligor and/ or credit facility and to assign a risk rating to provide an independent periodic and objective assessment of the underlying credit by analyzing financial statements and other external data obtained from external sources. Assist in the coordination, preparation, and presentation of the monthly and quarterly credit risk monitoring results at the Credit Portfolio Risk Management Meeting. Assist in the preparation of periodic risk monitoring materials for the Head Office Risk Management Department. Maintain an advanced level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies. Attend GBU's Focus List Meetings Perform other duties and responsibilities as assigned by management. Perform ad hoc risk analyses as needed by managemen Your Knowledge, Skills, and Abilities: Masters degree or its equivalent in statistics or economics or in quantitative discipline. CFA/FRM candidate or charter holder desired. Proficient in Excel, Word, PowerPoint, Access. Modeling understanding and capabilities. Strong oral and written communication skills. Strong quantitative and computer skills. Your Qualifications MBA degree in relevant field or its equivalent with at least 5 years of related experience. Advanced in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access). Excellent written and oral communication skills. Demonstrates the ability to effectively collaborate, multitask, problem solve, recommend actions, manage time, and manage employees. Accountable for multiple large, complex processes and programs that impact the department and the Americas Division. Develops staff for current and long-term department needs by providing feedback, guidance, and mentorship. Strong understanding of the Americas Division business lines, products, and services and a strong understanding of the department discipline, policies, and procedures. Applies advanced knowledge to produce “value-added” results. Achieves cost savings through the prudent use of resources. Prevents potential liabilities by ensuring compliance in area of responsibility by training staff to adhere to procedures and regulations. Why you should join SuMi Trust:SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion. The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application.

A great banking experience starts with a great team! Mid Penn Bank is actively seeking a Senior Credit Analyst to join our team in PA or NJ. We believe that our ongoing success depends upon a skilled, satisfied, and valued work force. As a member of our team, you can expect opportunities to develop your skills to help you excel in your role and achieve your professional career goals. We offer a comprehensive range of flexible benefits to support your personal and financial well-being. Position Overview The Senior Credit Analyst is responsible for analyzing credit data and financial statements of individuals or businesses to determine the degree of risk involved in extending credit. This individual will prepare reports with credit information for use in the credit decision. In addition, the Senior Credit Analyst will accompany Commercial Loan Officers on customer calls to collect information and ask questions that are necessary during the credit analysis process. Senior Credit Analysts will work independently with limited supervision while analyzing the most complex credits and provide leadership and guidance to less experienced Credit Analysts. Essential Duties and Responsibilities * Works independently and with minimal supervision to analyze credit data for the most complex credits. * Reviews and analyzes data and financial information to evaluate and provide judgment on the short and long-term repayment prospects of the individual or company. * Synthesizes the results of the financial review and prepares financial statement spreads and a written financial analysis summarizing the borrower's historical and projected performance, credit strengths and weaknesses, sources of repayment, potential risks to the organization, and overall evaluation of creditworthiness. * Applies credit policy to all loan requests and identifies exceptions to policy that would need additional approvals. * Researches specific industry issues and economic trends to predict the potential impact to the borrower's performance. * Provides recommendations to assist in policy & procedure development or maintenance. * Contributes to active portfolio management and makes recommendations based on the receipt and evaluation of new financial information. * Accompanies Commercial Loan Officers on customer calls to collect information and ask questions. * Continues on-going education to stay abreast of current economic conditions, techniques in credit analysis, risk management, and industry trends. * Achieves goals assigned to the Senior Credit Analyst as part of the assigned department's annual operating plan. * Helps establish department goals and implements strategies to achieve goals and helps to manage department workflow when needed. * Collects information and asks questions that are then used in the credit analysis process. * Works closely with Loan Officers and department management on more complex transactions and interacts with customers and their financial officers in gaining in-depth understanding of customer's business and financial position. * Contacts accountants, attorneys, and/or borrowers to obtain additional information. * Prepares financial documents and reports in an accurate and timely manner. * Completes a minimum average of 8 write-ups per month. * Completes extensions prior to month end. * Actively manages the term loan reviews as assigned. * Collaborates with credit team to identify and correct any issues related to the lending function including customer service, internal operations, credit control procedures, etc. * Communicates with management and staff personnel in order to integrate goals and activities. * Partners with department management to help train and develop less experienced Credit Analysts; provides leadership, acts as a mentor, reviews work for accuracy, and coaches on best practices and advanced credit underwriting skills. * Responds to inquiries relating to his/her particular area, or to requests from other company personnel, customers, etc., within given time frames and within established policy. * Ensures that all credit analysis activities are conducted in accordance with prescribed departmental procedures and applicable laws or regulations. * Estimates the degree of risk involved in extending credit or lending money to firms or individuals. * Determines risk rating based on the evaluation of financial information. * Plays an active role in protecting the organization and its customers against fraud by incorporating risk awareness and prevention into daily responsibilities. * Prepares or oversees the preparation of key department reports such as, Portfolio Management Reporting, Monthly Stock Collateral Valuation report, Borrowing Base tracking reports, Quarterly Board Reports, and others. * Maintains appropriate records and reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate personnel. * Prepares minutes for company meetings. * Performs tasks, which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. * Regular and predictable attendance is required. Education & Qualifications * A B.S. or B.A. degree, preferably in a related field of study; specialized financial analysis training also preferred. * A minimum of two (2) to (3) years' related experience normally required. Skill(s) Proficient reading, writing, and grammar skills; proficient interpersonal relations, communicative, and presentation skills; ability to work with mathematical concepts such as ratio and trend analysis and ability to interpret trends in each; ability to read, analyze, and interpret industry information, customer financial statements, and tax returns; ability to define problems, collect data, establish facts, and draw valid conclusions; proficient in use of Microsoft Excel, Microsoft Word, information systems, and Internet research; demonstrated leadership skills; ability to sit, stand, walk, bend, stoop, reach with hands or arms, use hands to manipulate objects, handle or feel, and lift items weighing 20 lbs. or less; visual, auditory and speaking skills; valid driver's license is required. Equipment/Machines * Automobile * Telephone * PC/Computer keyboard * Printer * Fax machine * Copy machine * Calculator Benefits Mid Penn Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account, dental and vision insurance; life insurance; 401(k) program with employer match and employee stock purchase plan; paid time off, paid holidays; disability insurance coverage, parental leave; employee assistance program, and tuition reimbursement. In addition, all employees are eligible to participate in mentorship programs, receive individualized development and career counseling, and participate in Mid Penn University courses and development programs. EEO Statement Qualified applicants are considered without regard to race, color, age, sex, sexual orientation, gender identity, religion, national origin, genetic information, pregnancy, disability, or protected veteran status. We also comply with all applicable laws governing employment practices and do not discriminate on the basis of any unlawful criteria. Equal Opportunity Employer-Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Mid Penn Bank currently or in the future.

A great banking experience starts with a great team! Mid Penn Bank is actively seeking a Senior Credit Analyst to join our team in PA or NJ. We believe that our ongoing success depends upon a skilled, satisfied, and valued work force. As a member of our team, you can expect opportunities to develop your skills to help you excel in your role and achieve your professional career goals. We offer a comprehensive range of flexible benefits to support your personal and financial well-being. Position Overview The Senior Credit Analyst is responsible for analyzing credit data and financial statements of individuals or businesses to determine the degree of risk involved in extending credit. This individual will prepare reports with credit information for use in the credit decision. In addition, the Senior Credit Analyst will accompany Commercial Loan Officers on customer calls to collect information and ask questions that are necessary during the credit analysis process. Senior Credit Analysts will work independently with limited supervision while analyzing the most complex credits and provide leadership and guidance to less experienced Credit Analysts. Essential Duties and Responsibilities Works independently and with minimal supervision to analyze credit data for the most complex credits. Reviews and analyzes data and financial information to evaluate and provide judgment on the short and long-term repayment prospects of the individual or company. Synthesizes the results of the financial review and prepares financial statement spreads and a written financial analysis summarizing the borrower's historical and projected performance, credit strengths and weaknesses, sources of repayment, potential risks to the organization, and overall evaluation of creditworthiness. Applies credit policy to all loan requests and identifies exceptions to policy that would need additional approvals. Researches specific industry issues and economic trends to predict the potential impact to the borrower's performance. Provides recommendations to assist in policy & procedure development or maintenance. Contributes to active portfolio management and makes recommendations based on the receipt and evaluation of new financial information. Accompanies Commercial Loan Officers on customer calls to collect information and ask questions. Continues on-going education to stay abreast of current economic conditions, techniques in credit analysis, risk management, and industry trends. Achieves goals assigned to the Senior Credit Analyst as part of the assigned department's annual operating plan. Helps establish department goals and implements strategies to achieve goals and helps to manage department workflow when needed. Collects information and asks questions that are then used in the credit analysis process. Works closely with Loan Officers and department management on more complex transactions and interacts with customers and their financial officers in gaining in-depth understanding of customer's business and financial position. Contacts accountants, attorneys, and/or borrowers to obtain additional information. Prepares financial documents and reports in an accurate and timely manner. Completes a minimum average of 8 write-ups per month. Completes extensions prior to month end. Actively manages the term loan reviews as assigned. Collaborates with credit team to identify and correct any issues related to the lending function including customer service, internal operations, credit control procedures, etc. Communicates with management and staff personnel in order to integrate goals and activities. Partners with department management to help train and develop less experienced Credit Analysts; provides leadership, acts as a mentor, reviews work for accuracy, and coaches on best practices and advanced credit underwriting skills. Responds to inquiries relating to his/her particular area, or to requests from other company personnel, customers, etc., within given time frames and within established policy. Ensures that all credit analysis activities are conducted in accordance with prescribed departmental procedures and applicable laws or regulations. Estimates the degree of risk involved in extending credit or lending money to firms or individuals. Determines risk rating based on the evaluation of financial information. Plays an active role in protecting the organization and its customers against fraud by incorporating risk awareness and prevention into daily responsibilities. Prepares or oversees the preparation of key department reports such as, Portfolio Management Reporting, Monthly Stock Collateral Valuation report, Borrowing Base tracking reports, Quarterly Board Reports, and others. Maintains appropriate records and reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate personnel. Prepares minutes for company meetings. Performs tasks, which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. Regular and predictable attendance is required. Education & Qualifications A B.S. or B.A. degree, preferably in a related field of study; specialized financial analysis training also preferred. A minimum of two (2) to (3) years' related experience normally required. Skill(s) Proficient reading, writing, and grammar skills; proficient interpersonal relations, communicative, and presentation skills; ability to work with mathematical concepts such as ratio and trend analysis and ability to interpret trends in each; ability to read, analyze, and interpret industry information, customer financial statements, and tax returns; ability to define problems, collect data, establish facts, and draw valid conclusions; proficient in use of Microsoft Excel, Microsoft Word, information systems, and Internet research; demonstrated leadership skills; ability to sit, stand, walk, bend, stoop, reach with hands or arms, use hands to manipulate objects, handle or feel, and lift items weighing 20 lbs. or less; visual, auditory and speaking skills; valid driver's license is required. Equipment/Machines Automobile Telephone PC/Computer keyboard Printer Fax machine Copy machine Calculator Benefits Mid Penn Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account, dental and vision insurance; life insurance; 401(k) program with employer match and employee stock purchase plan; paid time off, paid holidays; disability insurance coverage, parental leave; employee assistance program, and tuition reimbursement. In addition, all employees are eligible to participate in mentorship programs, receive individualized development and career counseling, and participate in Mid Penn University courses and development programs. EEO Statement Qualified applicants are considered without regard to race, color, age, sex, sexual orientation, gender identity, religion, national origin, genetic information, pregnancy, disability, or protected veteran status. We also comply with all applicable laws governing employment practices and do not discriminate on the basis of any unlawful criteria. Equal Opportunity Employer-Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Mid Penn Bank currently or in the future.

Performs commercial credit analysis and recommends appropriate credit structure on the most complex credit relationships in conformance with established policies, procedures, and objectives. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. Responsibilities * Spread a variety of financial statements and prepare cash flow analyses. * Analyze financial statements and provide interpretative analysis for use in loan decision making. * Underwrite new money requests, renewals, and modifications. * Underwrite existing credits as part of the Bank's routine portfolio monitoring. This includes mortgage and investment reviews as well as authoring annual portfolio monitoring reports presented to Senior Management, the Board, and other Bank Committees. * Work with credit colleagues, lenders, lending assistants, and other departments on a routine basis, demonstrating strong communication and teamwork skills throughout. * Support and lead special projects within the Credit Analysis Department as required. * Train and mentor assigned Credit Assistant and Credit Analysis Intern(s) in underwriting. * Perform all duties in compliance with regulatory guidelines. * Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. Requirements Education * Bachelor's Degree plus specialized course work and training is required * An advanced business degree Work Experience * 7+ years of credit-related experience is required Additional Requirements * Must demonstrate a strong knowledge of commercial credit analysis including the ability to analyze repayment sources, evaluate risk, identify risk mitigation, and provide deep insight into the creditworthiness of a commercial borrower. * Working knowledge of accounting and a solid understanding of commercial loan documentation. * High attention to detail with strong analytical, communication, and interpersonal skills required. * Strong working knowledge of Microsoft Office Suite and ability to learn new software, including the Bank's Commercial Loan Origination System. Expected Pay Range The expected annual pay range for this role is $76,463 to $135,731. This pay range is the annual salary we in good faith expect to pay for this role at the time of posting. Actual compensation paid may fluctuate higher or lower than the posted range and the range may be modified in the future due to several factors including, but not limited to, relevant experience, certifications, and qualifications, internal equity, adjustments to the requirements and responsibilities of the job, business needs, and economic and market data. EEO Statement Middlesex Savings Bank is an Equal Opportunity Employer/protected Veterans/Individuals with Disabilities

The Credit Risk Management Services (CRMS) team operates within the Institutional Credit Management organization, focusing on supporting credit risk processes and controls. This role is ideal for a professional with a strong understanding of credit risk who can apply specialized knowledge alongside industry standards and best practices. The position involves integrating technical expertise with broader organizational objectives, ensuring the accurate execution of credit-related activities. A successful candidate will possess strong analytical skills, sound judgment, and the ability to communicate effectively across teams. The role also demands a high level of ethical conduct, accountability, and sensitivity to diverse perspectives. While the position has a limited direct business impact, it plays a critical role in supporting the integrity and efficiency of credit operations. Key Responsibilities: Manage, review, and set up approved credit packages and documentation, providing support across a wide range of credit-related tasks. Handle daily transactional processes and collaborate closely with deal team members. Support a broad range of credit products and services, both risk and control related. Follow established procedures to identify and resolve credit administration issues that require analysis or research. Apply technical expertise and procedural knowledge to independently evaluate problems and develop appropriate solutions. Make informed, data-driven judgments and recommend process improvements to management. Minimize risk by leveraging deep procedural knowledge to identify, monitor, and resolve issues, and ensure compliance with internal controls and policies. Manage and escalate transaction related issues promptly to ensure timely resolution. Demonstrate intermediate level understanding of credit products, end to end processes, and how roles integrate within the team. Collaborates effectively with colleagues and stakeholders using diplomacy and professionalism to communicate sensitive or confidential information. Exhibit awareness and sensitivity to audience diversity in all professional interactions. Qualifications: 2-5 years of experience in Finance, Accounting, or related business field. Strong communication, organizational, and interpersonal skills. Ability to priorities, meet tight deadlines, and work independently. Bachelor's degree desired. ------------------------------------------------------ Job Family Group: Operations - Services ------------------------------------------------------ Job Family: Credit Maintenance ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Getzville New York United States ------------------------------------------------------ Primary Location Full Time Salary Range: $70,080.00 - $105,120.00 In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Please see the requirements listed above. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: Dec 15, 2025 ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi's EEO Policy Statement and the Know Your Rights poster.

The Credit Risk Management Services (CRMS) team operates within the Institutional Credit Management organization, focusing on supporting credit risk processes and controls. This role is ideal for a professional with a strong understanding of credit risk who can apply specialized knowledge alongside industry standards and best practices. The position involves integrating technical expertise with broader organizational objectives, ensuring the accurate execution of credit-related activities. A successful candidate will possess strong analytical skills, sound judgment, and the ability to communicate effectively across teams. The role also demands a high level of ethical conduct, accountability, and sensitivity to diverse perspectives. While the position has a limited direct business impact, it plays a critical role in supporting the integrity and efficiency of credit operations. **Key Responsibilities:** + Manage, review, and set up approved credit packages and documentation, providing support across a wide range of credit-related tasks. + Handle daily transactional processes and collaborate closely with deal team members. + Support a broad range of credit products and services, both risk and control related. + Follow established procedures to identify and resolve credit administration issues that require analysis or research. + Apply technical expertise and procedural knowledge to independently evaluate problems and develop appropriate solutions. + Make informed, data-driven judgments and recommend process improvements to management. + Minimize risk by leveraging deep procedural knowledge to identify, monitor, and resolve issues, and ensure compliance with internal controls and policies. + Manage and escalate transaction related issues promptly to ensure timely resolution. + Demonstrate intermediate level understanding of credit products, end to end processes, and how roles integrate within the team. + Collaborates effectively with colleagues and stakeholders using diplomacy and professionalism to communicate sensitive or confidential information. + Exhibit awareness and sensitivity to audience diversity in all professional interactions. **Qualifications:** + 2-5 years of experience in Finance, Accounting, or related business field. + Strong communication, organizational, and interpersonal skills. + Ability to priorities, meet tight deadlines, and work independently. + Bachelor's degree preferred. ------------------------------------------------------ **Job Family Group:** Operations - Services ------------------------------------------------------ **Job Family:** Credit Maintenance ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Primary Location:** Getzville New York United States ------------------------------------------------------ **Primary Location Full Time Salary Range:** $70,080.00 - $105,120.00 In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ **Most Relevant Skills** Please see the requirements listed above. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ **Anticipated Posting Close Date:** Dec 05, 2025 ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi (*************************************************************************** ._ _View Citi's EEO Policy Statement (*********************************************** and the Know Your Rights (*********************************************************************************************** poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

A great banking experience starts with a great team! Mid Penn Bank is actively seeking a Senior Credit Analyst to join our team in PA or NJ. We believe that our ongoing success depends upon a skilled, satisfied, and valued work force. As a member of our team, you can expect opportunities to develop your skills to help you excel in your role and achieve your professional career goals. We offer a comprehensive range of flexible benefits to support your personal and financial well-being. Position Overview The Senior Credit Analyst is responsible for analyzing credit data and financial statements of individuals or businesses to determine the degree of risk involved in extending credit. This individual will prepare reports with credit information for use in the credit decision. In addition, the Senior Credit Analyst will accompany Commercial Loan Officers on customer calls to collect information and ask questions that are necessary during the credit analysis process. Senior Credit Analysts will work independently with limited supervision while analyzing the most complex credits and provide leadership and guidance to less experienced Credit Analysts. Essential Duties and Responsibilities * Works independently and with minimal supervision to analyze credit data for the most complex credits. * Reviews and analyzes data and financial information to evaluate and provide judgment on the short and long-term repayment prospects of the individual or company. * Synthesizes the results of the financial review and prepares financial statement spreads and a written financial analysis summarizing the borrower's historical and projected performance, credit strengths and weaknesses, sources of repayment, potential risks to the organization, and overall evaluation of creditworthiness. * Applies credit policy to all loan requests and identifies exceptions to policy that would need additional approvals. * Researches specific industry issues and economic trends to predict the potential impact to the borrower's performance. * Provides recommendations to assist in policy & procedure development or maintenance. * Contributes to active portfolio management and makes recommendations based on the receipt and evaluation of new financial information. * Accompanies Commercial Loan Officers on customer calls to collect information and ask questions. * Continues on-going education to stay abreast of current economic conditions, techniques in credit analysis, risk management, and industry trends. * Achieves goals assigned to the Senior Credit Analyst as part of the assigned department's annual operating plan. * Helps establish department goals and implements strategies to achieve goals and helps to manage department workflow when needed. * Collects information and asks questions that are then used in the credit analysis process. * Works closely with Loan Officers and department management on more complex transactions and interacts with customers and their financial officers in gaining in-depth understanding of customer's business and financial position. * Contacts accountants, attorneys, and/or borrowers to obtain additional information. * Prepares financial documents and reports in an accurate and timely manner. * Completes a minimum average of 8 write-ups per month. * Completes extensions prior to month end. * Actively manages the term loan reviews as assigned. * Collaborates with credit team to identify and correct any issues related to the lending function including customer service, internal operations, credit control procedures, etc. * Communicates with management and staff personnel in order to integrate goals and activities. * Partners with department management to help train and develop less experienced Credit Analysts; provides leadership, acts as a mentor, reviews work for accuracy, and coaches on best practices and advanced credit underwriting skills. * Responds to inquiries relating to his/her particular area, or to requests from other company personnel, customers, etc., within given time frames and within established policy. * Ensures that all credit analysis activities are conducted in accordance with prescribed departmental procedures and applicable laws or regulations. * Estimates the degree of risk involved in extending credit or lending money to firms or individuals. * Determines risk rating based on the evaluation of financial information. * Plays an active role in protecting the organization and its customers against fraud by incorporating risk awareness and prevention into daily responsibilities. * Prepares or oversees the preparation of key department reports such as, Portfolio Management Reporting, Monthly Stock Collateral Valuation report, Borrowing Base tracking reports, Quarterly Board Reports, and others. * Maintains appropriate records and reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate personnel. * Prepares minutes for company meetings. * Performs tasks, which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. * Regular and predictable attendance is required. Education & Qualifications * A B.S. or B.A. degree, preferably in a related field of study; specialized financial analysis training also preferred. * A minimum of two (2) to (3) years' related experience normally required. Skill(s) Proficient reading, writing, and grammar skills; proficient interpersonal relations, communicative, and presentation skills; ability to work with mathematical concepts such as ratio and trend analysis and ability to interpret trends in each; ability to read, analyze, and interpret industry information, customer financial statements, and tax returns; ability to define problems, collect data, establish facts, and draw valid conclusions; proficient in use of Microsoft Excel, Microsoft Word, information systems, and Internet research; demonstrated leadership skills; ability to sit, stand, walk, bend, stoop, reach with hands or arms, use hands to manipulate objects, handle or feel, and lift items weighing 20 lbs. or less; visual, auditory and speaking skills; valid driver's license is required. Equipment/Machines * Automobile * Telephone * PC/Computer keyboard * Printer * Fax machine * Copy machine * Calculator Benefits Mid Penn Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account, dental and vision insurance; life insurance; 401(k) program with employer match and employee stock purchase plan; paid time off, paid holidays; disability insurance coverage, parental leave; employee assistance program, and tuition reimbursement. In addition, all employees are eligible to participate in mentorship programs, receive individualized development and career counseling, and participate in Mid Penn University courses and development programs. EEO Statement Qualified applicants are considered without regard to race, color, age, sex, sexual orientation, gender identity, religion, national origin, genetic information, pregnancy, disability, or protected veteran status. We also comply with all applicable laws governing employment practices and do not discriminate on the basis of any unlawful criteria. Equal Opportunity Employer-Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Mid Penn Bank currently or in the future.

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance? Overview: Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mount Joy, PA, Chambersburg, PA, Mechanicsburg, PA, Reedsville, PA or Winchester, VA branch locations. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for hybrid work schedule after 6 months of successful employment. Our ideal candidate is an experienced, organized, detail-oriented, and analytical Credit Analyst with agricultural or commercial credit analysis experience. This is a great opportunity to make a difference for agriculture and rural communities. Position Description: In this position, you will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. You will accurately and efficiently analyze and underwrite loans in a sound manner to prospective and existing borrowers. You will work closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develop relationships with large and/or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image. Areas of Responsibility Include but not limited to: Based on Size, Scope, and Risk in the overall credit facility; complete the following: Analyze financial information - accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default, source and use table, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation. Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C's of credit, highlighting credit strengths and documenting credit weaknesses to support the credit recommendation. Actively collaborate with Relationship Managers to finalize credit recommendations. Obtain necessary delegated authority for loan approvals. Continue to study and be familiar with internal credit practices, loan products and compliance standards to ensure sound and eligible credit decisions. Effectively manage loan underwriting pipeline and meet targeted turnaround time for loan decisions. Maintain high level of communication with lending and operations. Assist as needed in the preparation of larger loan packages. Help monitor larger accounts for compliance to loan covenants and other on-going conditions of the loan approval. Participate in continued education of agricultural industry trends/news. Participates in association initiatives and engages regularly with cross-functional teams. Other projects and/or research as assigned. REQUIREMENTS: Bachelor's degree in Business Administration, Agriculture, Economics, or Finance. Generally, a minimum of three plus years of agricultural or commercial credit analysis/underwriting experience is preferred. Must possess sound credit judgment and differential credit skills to complete accurate and timely credit package. Ability to effectively communicate (verbal and written) with a large, geographically diverse team of co-workers. Strong analytical and computer skills. Adaptable and flexible to a changing work environment. Prolonged periods of sitting at a desk and working on a computer. Who are we? Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities. What can we offer you? We offer competitive compensation and benefits packages for full-time employees including: Medical insurance with dental and vision care options 401 (k) with significant employer matching Paid time off, holidays and volunteer time to support work/life balance Tuition reimbursement and training opportunities Student loan reimbursement Leadership and career development opportunities Paid parental leave and short-term disability Fun and inclusive work environment Salary Range: $50,500 - $95,800, depending on previous experience. Opportunity to earn additional incentive. Equal Opportunity Employer including veterans and individuals with disabilities.

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance? Overview: Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mount Joy, PA, Chambersburg, PA, Mechanicsburg, PA, Reedsville, PA or Winchester, VA branch locations. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for hybrid work schedule after 6 months of successful employment. Our ideal candidate is an experienced, organized, detail-oriented, and analytical Credit Analyst with agricultural or commercial credit analysis experience. This is a great opportunity to make a difference for agriculture and rural communities. Position Description: In this position, you will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. You will accurately and efficiently analyze and underwrite loans in a sound manner to prospective and existing borrowers. You will work closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develop relationships with large and/or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image. Areas of Responsibility Include but not limited to: Based on Size, Scope, and Risk in the overall credit facility; complete the following: Analyze financial information - accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default, source and use table, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation. Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C's of credit, highlighting credit strengths and documenting credit weaknesses to support the credit recommendation. Actively collaborate with Relationship Managers to finalize credit recommendations. Obtain necessary delegated authority for loan approvals. Continue to study and be familiar with internal credit practices, loan products and compliance standards to ensure sound and eligible credit decisions. Effectively manage loan underwriting pipeline and meet targeted turnaround time for loan decisions. Maintain high level of communication with lending and operations. Assist as needed in the preparation of larger loan packages. Help monitor larger accounts for compliance to loan covenants and other on-going conditions of the loan approval. Participate in continued education of agricultural industry trends/news. Participates in association initiatives and engages regularly with cross-functional teams. Other projects and/or research as assigned. REQUIREMENTS: Bachelor's degree in Business Administration, Agriculture, Economics, or Finance. Generally, a minimum of three plus years of agricultural or commercial credit analysis/underwriting experience is preferred. Must possess sound credit judgment and differential credit skills to complete accurate and timely credit package. Ability to effectively communicate (verbal and written) with a large, geographically diverse team of co-workers. Strong analytical and computer skills. Adaptable and flexible to a changing work environment. Prolonged periods of sitting at a desk and working on a computer. Who are we? Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities. What can we offer you? We offer competitive compensation and benefits packages for full-time employees including: Medical insurance with dental and vision care options 401 (k) with significant employer matching Paid time off, holidays and volunteer time to support work/life balance Tuition reimbursement and training opportunities Student loan reimbursement Leadership and career development opportunities Paid parental leave and short-term disability Fun and inclusive work environment Salary Range: $50,500 - $95,800, depending on previous experience. Opportunity to earn additional incentive. Equal Opportunity Employer including veterans and individuals with disabilities.

The Credit Monitoring Analyst III supports the commercial credit monitoring and portfolio management for the Bank through the review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities * Maintain in-depth knowledge of Credit Monitoring and industry best practices. * Review financial spreads, financial indicator covenants, borrowing base reviews, post-closing reviews and other assigned job functions, for accuracy and completeness. * Provide input and recommendations on new and existing workflow processes, policies, and procedures involving the Credit Monitoring Team. * Work independently the majority of the time and complete work with little supervision. * Serve as Credit Monitoring subject matter expert and on the Bank's financial tracking system (nCino) to include any upgrades, training, or new resources. * Provide accurate and consistent loan portfolio management and monitoring of our commercial loan portfolio. * Make independent recommendations regarding credit risk supported by comprehensive ongoing risk analysis. * Analyze Borrowing Base Certificates, accounts receivable aging, inventory listings, liquidity, and collateral positions. * Review financial reporting to ensure accuracy and maintain internal tracking for all commercial clients. * Mentorship of less experienced Credit Monitoring Analysts. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Complete Moody's Credit Modules, as assigned. * Maintain the highest level of confidentiality of all information. * Provide extraordinary service while complying with all Bank policies and procedures. * Adhere to Busey Bank policies and procedures; comply with laws, regulations and industry best practices. * Reliable and predictable attendance; both onsite and remote. Education & Experience Knowledge of: * Strong oral, written and interpersonal communication skills * Advanced understanding of credit analysis and financial statements. * Thorough knowledge of financial statement analysis and demonstrated ability to identify and mitigate key risks * Full understanding of loan and collateral documents, including attorney prepared documentation * Strong problem solving and analytical skills Ability to: * Read and comprehends credit write-ups and loan documentation * Prioritize workflow, multi-task and work independently * Perform duties under frequent time pressures with high degree of accuracy and attention to detail Education and Training: * Requires bachelor's degree in Finance, accounting or business * 5 or more years of experience as a successful credit analyst or similar role in a commercial bank. * Experience in nCino and Jack Henry preferred, but not required * Requires knowledge of Microsoft Office Compensation and Benefits Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $68,000.00 - 94,000.00 /year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

The Credit Monitoring Analyst II supports the commercial credit monitoring and portfolio management for the Bank through the review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities * Accurately calculate financial ratios and monitor Borrower's covenants for compliance as outlined in loan documents. * Effectively communicate all internal communication of the borrower's performance and trend analysis to the appropriate parties. * Completes post booking reviews on commercial loans to ensure accuracy of loan documents as outlined in the credit approval and ensure internal tracking of covenants are accurately built for internal tracking purposes. * Analyze and assess financial statements and credit history of existing and potential clients. * Provide additional support to Credit Administration as it relates to special projects as assigned. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Provide back-up assistance to other team members at peak volume times, including but not limited to reviewing and analyzing Borrowing Base Certificates and reviewing financial statements for accuracy and advancement of next due date. * Mentorship of less experienced Credit Monitoring Analysts. * Complete Moody's Credit Modules, as assigned. * Comply with all credit administration policies and procedures. * Maintain the highest level of confidentiality of all information. * Provide extraordinary service while complying with all Bank policies and procedures. * Adhere to Busey Bank policies and procedures; comply with laws, regulations and industry best practices. * Reliable and predictable attendance; both onsite and remote. Education & Experience Knowledge of: * Strong oral, written and interpersonal communication skills * Intermediate understanding of credit analysis and financial statements. * Full understanding of balance sheets, income statements and cash flow statements * Full understanding of loan and collateral documents, including attorney prepared documentation * Strong problem solving and analytical skills Ability to: * Read and comprehends credit write-ups and loan documentation * Prioritize workflow, multi-task and work independently * Perform duties under frequent time pressures with high degree of accuracy and attention to detail Education and Training: * Requires bachelor's degree in Finance, accounting or business * Minimum 2 years of experience with credit loan documents and credit monitoring experience in the financial services industry. * Experience in nCino and Jack Henry preferred, but not required * Requires knowledge of Microsoft Office Compensation and Benefits Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $62,000.00 - 82,000.00 /year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance? Overview: Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mount Joy, PA, Chambersburg, PA, Mechanicsburg, PA, Reedsville, PA or Winchester, VA branch locations. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for hybrid work schedule after 6 months of successful employment. Our ideal candidate is an experienced, organized, detail-oriented, and analytical Credit Analyst with agricultural or commercial credit analysis experience. This is a great opportunity to make a difference for agriculture and rural communities. Position Description: In this position, you will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. You will accurately and efficiently analyze and underwrite loans in a sound manner to prospective and existing borrowers. You will work closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develop relationships with large and/or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image. Areas of Responsibility Include but not limited to: Based on Size, Scope, and Risk in the overall credit facility; complete the following: Analyze financial information - accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default, source and use table, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation. Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C's of credit, highlighting credit strengths and documenting credit weaknesses to support the credit recommendation. Actively collaborate with Relationship Managers to finalize credit recommendations. Obtain necessary delegated authority for loan approvals. Continue to study and be familiar with internal credit practices, loan products and compliance standards to ensure sound and eligible credit decisions. Effectively manage loan underwriting pipeline and meet targeted turnaround time for loan decisions. Maintain high level of communication with lending and operations. Assist as needed in the preparation of larger loan packages. Help monitor larger accounts for compliance to loan covenants and other on-going conditions of the loan approval. Participate in continued education of agricultural industry trends/news. Participates in association initiatives and engages regularly with cross-functional teams. Other projects and/or research as assigned. REQUIREMENTS: Bachelor's degree in Business Administration, Agriculture, Economics, or Finance. Generally, a minimum of three plus years of agricultural or commercial credit analysis/underwriting experience is preferred. Must possess sound credit judgment and differential credit skills to complete accurate and timely credit package. Ability to effectively communicate (verbal and written) with a large, geographically diverse team of co-workers. Strong analytical and computer skills. Adaptable and flexible to a changing work environment. Prolonged periods of sitting at a desk and working on a computer. Who are we? Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities. What can we offer you? We offer competitive compensation and benefits packages for full-time employees including: Medical insurance with dental and vision care options 401 (k) with significant employer matching Paid time off, holidays and volunteer time to support work/life balance Tuition reimbursement and training opportunities Student loan reimbursement Leadership and career development opportunities Paid parental leave and short-term disability Fun and inclusive work environment Salary Range: $50,500 - $95,800, depending on previous experience. Opportunity to earn additional incentive. Equal Opportunity Employer including veterans and individuals with disabilities.

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance? Overview: Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mount Joy, PA, Lewisburg, PA, Mechanicsburg, PA, or Reedsville, PA branch locations. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for hybrid work schedule after 6 months of successful employment. Our ideal candidate is an experienced, organized, detail-oriented, and analytical Credit Analyst with agricultural or commercial credit analysis experience. This is a great opportunity to make a difference for agriculture and rural communities. Position Description: In this position, you will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. You will accurately and efficiently analyze and underwrite loans in a sound manner to prospective and existing borrowers. You will work closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develop relationships with large and/or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image. Areas of Responsibility Include but not limited to: Based on Size, Scope, and Risk in the overall credit facility; complete the following: Analyze financial information - accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default, source and use table, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation. Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C's of credit, highlighting credit strengths and documenting credit weaknesses to support the credit recommendation. Actively collaborate with Relationship Managers to finalize credit recommendations. Obtain necessary delegated authority for loan approvals. Continue to study and be familiar with internal credit practices, loan products and compliance standards to ensure sound and eligible credit decisions. Effectively manage loan underwriting pipeline and meet targeted turnaround time for loan decisions. Maintain high level of communication with lending and operations. Assist as needed in the preparation of larger loan packages. Help monitor larger accounts for compliance to loan covenants and other on-going conditions of the loan approval. Participate in continued education of agricultural industry trends/news. Participates in association initiatives and engages regularly with cross-functional teams. Other projects and/or research as assigned. REQUIREMENTS: Bachelor's degree in Business Administration, Agriculture, Economics, or Finance. Generally, a minimum of three plus years of agricultural or commercial credit analysis/underwriting experience is preferred. Must possess sound credit judgment and differential credit skills to complete accurate and timely credit package. Ability to effectively communicate (verbal and written) with a large, geographically diverse team of co-worker's. Strong analytical and computer skills. Adaptable and flexible to a changing work environment. Prolonged periods of sitting at a desk and working on a computer. Who are we? Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities. What can we offer you? We offer competitive compensation and benefits packages for full-time employees including: Medical insurance with dental and vision care options 401 (k) with significant employer matching Paid time off, holidays and volunteer time to support work/life balance Tuition reimbursement and training opportunities Student loan reimbursement Leadership and career development opportunities Paid parental leave and short-term disability Fun and inclusive work environment Salary Range: $50,500 - $95,800, depending on previous experience. Opportunity to earn additional incentive. Equal Opportunity Employer including veterans and individuals with disabilities.

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance? Overview: Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mount Joy, PA, Chambersburg, PA, Mechanicsburg, PA, Reedsville, PA or Winchester, VA branch locations. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for hybrid work schedule after 6 months of successful employment. Our ideal candidate is an experienced, organized, detail-oriented, and analytical Credit Analyst with agricultural or commercial credit analysis experience. This is a great opportunity to make a difference for agriculture and rural communities. Position Description: In this position, you will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. You will accurately and efficiently analyze and underwrite loans in a sound manner to prospective and existing borrowers. You will work closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develop relationships with large and/or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image. Areas of Responsibility Include but not limited to: Based on Size, Scope, and Risk in the overall credit facility; complete the following: Analyze financial information - accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default, source and use table, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation. Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C's of credit, highlighting credit strengths and documenting credit weaknesses to support the credit recommendation. Actively collaborate with Relationship Managers to finalize credit recommendations. Obtain necessary delegated authority for loan approvals. Continue to study and be familiar with internal credit practices, loan products and compliance standards to ensure sound and eligible credit decisions. Effectively manage loan underwriting pipeline and meet targeted turnaround time for loan decisions. Maintain high level of communication with lending and operations. Assist as needed in the preparation of larger loan packages. Help monitor larger accounts for compliance to loan covenants and other on-going conditions of the loan approval. Participate in continued education of agricultural industry trends/news. Participates in association initiatives and engages regularly with cross-functional teams. Other projects and/or research as assigned. REQUIREMENTS: Bachelor's degree in Business Administration, Agriculture, Economics, or Finance. Generally, a minimum of three plus years of agricultural or commercial credit analysis/underwriting experience is preferred. Must possess sound credit judgment and differential credit skills to complete accurate and timely credit package. Ability to effectively communicate (verbal and written) with a large, geographically diverse team of co-workers. Strong analytical and computer skills. Adaptable and flexible to a changing work environment. Prolonged periods of sitting at a desk and working on a computer. Who are we? Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities. What can we offer you? We offer competitive compensation and benefits packages for full-time employees including: Medical insurance with dental and vision care options 401 (k) with significant employer matching Paid time off, holidays and volunteer time to support work/life balance Tuition reimbursement and training opportunities Student loan reimbursement Leadership and career development opportunities Paid parental leave and short-term disability Fun and inclusive work environment Salary Range: $50,500 - $95,800, depending on previous experience. Opportunity to earn additional incentive. Equal Opportunity Employer including veterans and individuals with disabilities.

We are seeking a Junior Credit Analyst at our corporate office in Chesterfield, MO. This individual will review credit data to evaluate small business loan requests, analyze sources of financial information to determine profitability of loans, evaluate sources of collateral and prepare loan documents. Qualified candidates MUST have at least 2 years of direct experience with underwriting commercial loans. Experience with small business loans, such as commercial vehicles, equipment and investment properties is PREFERRED. Responsibilities include: Prepare credit memorandum includes the borrower's financial condition, evaluate repayment capacity and collateral coverage. Annual Reviews Ensure that all credit assessments are thorough, accurate, mitigate risks, comply with internal policies and regulatory requirements Excellent communication and interpersonal skills Strong analytical and quantitative skills with the ability to interpret financial and tax information.

ROLE OVERVIEW We are seeking a Business Credit Analyst, this role plays an important part in evaluating commercial loan requests and supporting the growth of our business lending portfolio. You'll analyze financial data, assess risk, and prepare loan proposals that align with our credit union's standards and member-focused values. This position requires strong analytical skills, attention to detail, and a collaborative mindset. KEY RESPONSIBILITIES Work closely with the Asst. Vice President of Business Lending to build relationships with prospective business members and meet annual portfolio growth goals. Review and underwrite business loan applications in accordance with established policies and guidelines. Analyze financial statements, tax returns, credit reports, and other data to assess loan profitability and risk. Utilize Sageworks and other underwriting software to support credit analysis and documentation. Evaluate collateral sources and monitor the financial health of business borrowers. Prepare comprehensive loan proposals for presentation to the Loan Committee. Ensure loan files are complete, accurate, and compliant prior to closing. Serve as a subject matter expert on business lending products and procedures. PREFERRED QUALIFICATIONS Bachelor's degree in Finance, Accounting, Economics, or a related field (preferred but not required). 2+ years of experience in credit analysis, commercial lending, or financial services. Proficiency in Microsoft Word, Excel, and financial analysis tools. Strong understanding of financial statements and business tax returns. Excellent communication skills and ability to work in a member-focused, sales-oriented environment. Collaborative team player with strong problem-solving abilities. Professional demeanor and commitment to credit union policies and service standards.