Job Description
Join Empire Financial Group's dynamic credit team in Buffalo! We're seeking a detail-oriented Senior Credit Analyst to evaluate loan applications and assess financial risks for our expanding portfolio. This immediate hire opportunity offers competitive compensation, comprehensive benefits, and career growth in New York's financial hub.
As a key member of our underwriting division, you'll leverage your analytical expertise to support our mission of delivering exceptional financial services to Western NY businesses and individuals. Enjoy a modern downtown office environment with flexible work options.
Responsibilities
- Analyze commercial and consumer credit applications to determine risk exposure
- Prepare detailed credit reports with financial statement analysis and cash flow projections
- Collaborate with lending teams to structure optimal financing solutions
- Monitor existing portfolio for compliance and early risk identification
- Stay updated on industry regulations and economic trends affecting credit decisions
- Maintain accurate documentation in compliance with federal banking regulations
Qualifications
- Bachelor's degree in Finance, Accounting, or related field required
- 3+ years of credit analysis or commercial lending experience
- Proficiency in credit scoring models and risk assessment methodologies
- Advanced Excel skills with financial modeling capabilities
- Strong understanding of GAAP and banking compliance standards
- Excellent written/verbal communication and presentation skills
- Experience with lending software (e.g., Ellie Mae, Black Knight)