Job Description
Are you a detail-oriented financial professional looking to make a tangible impact in the heart of Western New York? Buffalo Financial Services Corp is seeking a highly skilled Senior Credit Analyst to join our dynamic team. We pride ourselves on fostering a culture of excellence, integrity, and growth. If you have a passion for risk assessment and a keen eye for financial data, we want to hear from you.
Why Join Us?
- Competitive Compensation: A salary range of $65,000 - $85,000.
- Comprehensive Benefits: Medical, dental, and vision insurance, 401(k) matching, and paid time off.
- Career Growth: Clear pathways for professional development and leadership opportunities.
- Modern Environment: Work in a state-of-the-art facility in downtown Buffalo.
As a Credit Analyst, you will play a pivotal role in our lending process, ensuring the safety and soundness of our loan portfolio while supporting the financial growth of our clients and community.
Responsibilities
- Conduct comprehensive financial analysis of loan applicants, including reviewing financial statements, tax returns, and cash flow projections.
- Evaluate creditworthiness by analyzing risk factors, industry trends, and collateral value.
- Prepare detailed credit memos and presentations for underwriting committees and loan officers.
- Monitor existing loan portfolios to identify early signs of credit deterioration and recommend proactive risk mitigation strategies.
- Collaborate with cross-functional teams to streamline the lending process and improve decision-making efficiency.
- Stay abreast of changing economic conditions and regulatory requirements to ensure compliance.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field is required.
- Minimum of 3-5 years of experience in credit analysis, commercial lending, or financial risk management.
- Strong proficiency in Microsoft Excel, including advanced functions and data modeling.
- Excellent analytical, problem-solving, and critical thinking skills.
- Strong verbal and written communication abilities for presenting complex data to stakeholders.
- Ability to work independently and manage multiple priorities in a fast-paced environment.