Tompkins Financial

2 months ago

Senior Commercial Credit Analyst

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 8 hours agoStatus: Live

Job Summary

Develop and analyze credit information to support lending officers and senior management with credit decisions. Perform in-depth financial statement and cash flow analysis, interpret Credit Bureau reports, assess collateral values, and assign risk ratings. Support loan reviews and credit discussions, including residential and commercial real estate appraisal evaluation and regulatory/policy-compliance work (USPAP, UCC, FDICIA, Sarbanes-Oxley). Provide analytical support across departments and assist with guidance for junior staff as needed.

Location: United States

Workplace: Hybrid

Employment Type: Full time

Job Function: Banking, Lending & Credit

Seniority: Mid level

Key Responsibilities

•Develop and analyze credit information by reviewing financial statements and tax returns, performing financial and cash flow analysis, and interpreting Credit Bureau reports.
•Spread and evaluate financials to produce common-sized reports, ratios, and trend reports; assign and substantiate risk ratings and recommend loan structures.
•Analyze collateral value using receivables aging and real estate appraisals, and review collateral and supporting documents for completeness and accuracy.
•Evaluate residential and commercial real estate appraisals, including fair capitalization rate use and USPAP appraisal review preparation.
•Apply lending policies and loan documentation requirements (including UCC and lien perfection), serve as a liaison to stakeholders and auditors, and perform independent validation in accordance with FDICIA and Sarbanes-Oxley.

Pay and Benefits

Perks:MedicalDentalVision401kProfit SharingPaid LeaveFree ParkingEmployee Referrals

Key Requirements

•Bachelor’s degree in Business, Accounting, or Finance (or an Associate’s degree plus two years of experience).
•Minimum five years of banking or related field experience.
•Excellent verbal and written communication.
•Working knowledge of microcomputer systems including Microsoft Excel, Microsoft Word, and Baker Hill Statement Analyzer software.
•Knowledge of techniques to analyze business financial conditions and borrower debt-servicing ability implications.

Experience:5+ yearsBankingCredit analysisLendingCommercial real estateResidential mortgage

Education:Bachelor's in Business, Accounting, Finance

Skills:CommunicationConfidentialityIndependent workResearchAttention to detail

Languages:English

Tech Stack:Microsoft ExcelMicrosoft WordBaker Hill Statement AnalyzerUSPAPUniform Commercial CodeFDICIASarbanes-Oxley

Company Brief

Tompkins Financial

Financial services holding company offering commercial and retail banking, wealth management, insurance, and employee benefits solutions through its subsidiary brands. Primarily serves individuals, businesses, and institutions across upstate New York and neighboring markets.

Industry: Banking

Company Size: Enterprise (1,001+ employees)

Revenue: USD 250M to 500M

Growth: Public Company

Valuation: Public Company (Market Cap in USD)

Funding: IPO / Publicly Listed

Headquarters: Ithaca, United States

Founded: 1836

Website LinkedIn

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Tompkins Financial

2 months ago

Senior Commercial Credit Analyst

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 8 hours agoStatus: Live

Job Summary

Location: United States

Workplace: Hybrid

Employment Type: Full time

Job Function: Banking, Lending & Credit

Seniority: Mid level

Key Responsibilities

•Develop and analyze credit information by reviewing financial statements and tax returns, performing financial and cash flow analysis, and interpreting Credit Bureau reports.
•Spread and evaluate financials to produce common-sized reports, ratios, and trend reports; assign and substantiate risk ratings and recommend loan structures.
•Analyze collateral value using receivables aging and real estate appraisals, and review collateral and supporting documents for completeness and accuracy.
•Evaluate residential and commercial real estate appraisals, including fair capitalization rate use and USPAP appraisal review preparation.
•Apply lending policies and loan documentation requirements (including UCC and lien perfection), serve as a liaison to stakeholders and auditors, and perform independent validation in accordance with FDICIA and Sarbanes-Oxley.

Pay and Benefits

Perks:MedicalDentalVision401kProfit SharingPaid LeaveFree ParkingEmployee Referrals

Key Requirements

•Bachelor’s degree in Business, Accounting, or Finance (or an Associate’s degree plus two years of experience).
•Minimum five years of banking or related field experience.
•Excellent verbal and written communication.
•Working knowledge of microcomputer systems including Microsoft Excel, Microsoft Word, and Baker Hill Statement Analyzer software.
•Knowledge of techniques to analyze business financial conditions and borrower debt-servicing ability implications.

Experience:5+ yearsBankingCredit analysisLendingCommercial real estateResidential mortgage

Education:Bachelor's in Business, Accounting, Finance

Skills:CommunicationConfidentialityIndependent workResearchAttention to detail

Languages:English

Tech Stack:Microsoft ExcelMicrosoft WordBaker Hill Statement AnalyzerUSPAPUniform Commercial CodeFDICIASarbanes-Oxley

Company Brief

Tompkins Financial

Industry: Banking

Company Size: Enterprise (1,001+ employees)

Revenue: USD 250M to 500M

Growth: Public Company

Valuation: Public Company (Market Cap in USD)

Funding: IPO / Publicly Listed

Headquarters: Ithaca, United States

Founded: 1836

Website LinkedIn