Tompkins Financial

1 month ago

Senior 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

Provide credit and financial analysis support for commercial lending and credit administration. Participate in new credit requests, loan reviews, and credit discussions, analyzing financial statements, tax returns, cash flows, and collateral values. Research internal debt and deposit relationships, spread financials for ratios and trends, recommend and substantiate risk ratings, and prepare loan structure summaries. Ensure policy compliance, review documentation accuracy, and monitor credit migration and exceptions.

Location: United States

Workplace: Hybrid

Employment Type: Full time

Job Function: Banking, Lending & Credit

Seniority: Mid level

Key Responsibilities

•Develop credit and financial analysis support for commercial lending and credit administration by gathering required documents, reviewing financial statements and tax returns, and researching debt and deposit relationships.
•Spread financials and prepare common-sized reports, financial ratios, and trend reports.
•Perform in-depth cash flow analysis and analyze collateral value using tools such as receivables aging and real estate appraisals.
•Recommend and substantiate appropriate risk ratings, prepare summary analyses, and recommend loan structures based on borrower creditworthiness.
•Review collateral and supporting documents for completeness and accuracy, comply with policy and procedures, and support ongoing portfolio monitoring including credit memo review and exception tracking.

Pay and Benefits

Salary: USD 34 - 40 hourly

Perks:MedicalDentalVision401kProfit SharingPaid LeaveFree ParkingEmployee Referrals11 Holidays

Key Requirements

•Bachelor’s degree in Business, Accounting, Finance, or a related field.
•Minimum of two (2) years’ banking or related field experience.
•Excellent verbal and written communication.
•Working knowledge of computer systems, including Microsoft Excel, Microsoft Word, and Abrigo software.
•Ability to analyze business financial conditions and implications for a borrower’s ability to service debt obligations, with strong organization and independent prioritization.

Experience:2+ yearsBanking

Education:Bachelor's

Skills:CommunicationOrganizational skillsIndependent workPrioritization

Tech Stack:Microsoft ExcelMicrosoft WordAbrigo

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

1 month ago

Senior 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 credit and financial analysis support for commercial lending and credit administration by gathering required documents, reviewing financial statements and tax returns, and researching debt and deposit relationships.
•Spread financials and prepare common-sized reports, financial ratios, and trend reports.
•Perform in-depth cash flow analysis and analyze collateral value using tools such as receivables aging and real estate appraisals.
•Recommend and substantiate appropriate risk ratings, prepare summary analyses, and recommend loan structures based on borrower creditworthiness.
•Review collateral and supporting documents for completeness and accuracy, comply with policy and procedures, and support ongoing portfolio monitoring including credit memo review and exception tracking.

Pay and Benefits

Salary: USD 34 - 40 hourly

Perks:MedicalDentalVision401kProfit SharingPaid LeaveFree ParkingEmployee Referrals11 Holidays

Key Requirements

•Bachelor’s degree in Business, Accounting, Finance, or a related field.
•Minimum of two (2) years’ banking or related field experience.
•Excellent verbal and written communication.
•Working knowledge of computer systems, including Microsoft Excel, Microsoft Word, and Abrigo software.
•Ability to analyze business financial conditions and implications for a borrower’s ability to service debt obligations, with strong organization and independent prioritization.

Experience:2+ yearsBanking

Education:Bachelor's

Skills:CommunicationOrganizational skillsIndependent workPrioritization

Tech Stack:Microsoft ExcelMicrosoft WordAbrigo

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