<p>The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Credit team as:</p> <p>Credit Professional II</p> <p>This opportunity may be perfect for you if you have experience in:</p> <p>> Commerical Credit analysis</p> <p>> Strong attention to detail</p> <p>> Navigating diverse and ever-evolving workloads</p> <p>About this position:</p> <p>Supports lending staff by analyzing loan requests, performing annual reviews of large relationships, and conducting credit investigations. Reviews, analyzes and recommends loan proposals with sponsoring banker for approval through respective loan authority. Promotes Company credit culture, both internally and externally, and adheres to Company Loan Policy as well as regulatory and compliance requirements.</p> <p>ESSENTIAL JOB FUNCTIONS:</p> <p>> Underwrite commercial credit relationships with emphasis on larger, more complex relationships; pull credit reports for commercial lenders and review appraisals for credits underwritten.</p> <p>> Spread financial statements and prepare real estate cash flow analysis for use by commercial lenders; assist with interpreting business financial statements, tax returns, and other data.</p> <p>> Maintain current knowledge of banking, lending, and credit industries, as well as appraisal regulations and requirements; assist management in creating processes/procedures to improve operational efficiencies while adhering to changes in regulations and appraisal requirements.</p> <p>> Create reports for management, lenders, and customers as appropriate; work with colleagues and management to provide guidance, training, and support to reach goals as appropriate.</p> <p>> Contribute to meetings with lenders and customers and attend Loan Committee meetings as appropriate.</p> <p>What you will need to thrive in this role:</p> <p>In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having:</p> <p>Education/Certifications:</p> <p>> Bachelors degree in accounting, Finance, related field or equivalent experience required</p> <p>> 6 years of experience in credit analysis and complex credit underwriting required</p> <p>> Advanced degree or formal credit analysis training preferred</p> <p>Skills/Knowledge:</p> <p>> Outstanding analytical and problem-solving skills; ability to understand and interpret business financial documents</p> <p>> Ability to work efficiently in a fast-paced environment and prioritize work to meet strict deadlines</p> <p>> Solid communications skills, both written and verbal; ability to interact with management and commercial lenders to provide quality service to customers</p> <p>> Proficient with Microsoft Office including Excel, Word, and Outlook; experience with Access and PowerPoint a plus</p> <p>Physical Demands:</p> <p>> Must be able to sit for prolonged periods of time and walk/stand for brief periods of time.</p> <p>> Must be able to repetitively use a telephone and computer mouse and keyboard.</p> <p>> Ability to lift/move up to 15 lbs.</p> <p>What we will bring to the table:</p> <p>We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring:</p> <p>> Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays</p> <p>> Medical, Dental, and Vision Insurance and Flexible Spending Plan</p> <p>> Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership</p> <p>> Education and Tuition Reimbursement</p> <p>> Employee Assistance Program for our employees and their immediate family members</p> <p>We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans.</p> <p>We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation's leading publications and bank-rating firms.</p> <p>The salary range for this position is $19.25 - $24.63 per hour commensurate with experience and education.</p> <p>Additional compensation may be earned through the Company's incentive programs, subject to individual and company performance.</p> <p>L1-st1</p>