Credit Analysis Manager

Tompkins Financial Corporation   •  

Brewster, NY

Industry: Accounting, Finance & Insurance


5 - 7 years

Posted 34 days ago

General Responsibilities

Responsible for managing all aspects of the commercial credit process. Review and assign incoming loan requests for analysis; review all analyses prior to issuing final drafts to lenders. Ensure that all analyses are comprehensive, complete, focused and capture all applicable risks, mitigate policy exceptions and reflect the appropriate risk rating. Directly supervise, monitor and develop credit analysis staff. Assist with general portfolio administration and other Division activities.

Essential Duties

Review all requests for analysis to ensure completeness of package and appropriateness of structure prior to assigning for analysis; work with Lenders and/or Portfolio Administrators as necessary to correct deficiencies in loan structure or supporting information
Manage analyst pipeline to ensure that write-ups are completed by the assigned deadline; closely monitor workflow and adjust as needed to meet the needs of the Lenders/ clients while maintaining integrity of the credit process/analyses
Coaching and mentoring associates with a goal of developing and retaining talent
Track, report, evaluate and perform financial statement for department productivity as well as the completed annual reviews for the Officer Loan Committee (OLC)
Assess the overall credit process to identify areas of strength and potential inefficiencies that require attention
Assist Small Business lender and Asset Recovery as needed
Maintain and review meetings minutes for action plans prior to issuing the final copy to OLC
Interact with Loan Servicing and other departments as needed
Manage external and internal loan review/audits by arranging workspace and equipment, providing requested information/portfolio reports, responding to inquiries during the review process
Review modification, extension, rate reset and other memos prepared by portfolio administrators / lenders to ensure risk ratings are appropriate, policy exceptions are noted as well as other pertinent information is included
Responsible for system administration for Baker Hill software and manage the OnBase data/document storage system
Assist Division Manager with various reports and/or special projects
Oversee and manage all aspects of the Bank’s credit training program
All other duties as assigned


Education and Experience Required:

Bachelor’s degree in Accounting, Finance or a related field
5 to 7 years of commercial credit analysis or lending experience
5 years of managerial / supervisory experience
Excellent written and presentation skills
Ability to respond and react to a variety of different critical issues simultaneously.
Thorough knowledge of the features and benefits of all Bank products and services relating to commercial lending

We offer:

Medical, dental & vision benefits
Life Insurance Benefits
Disability Benefits
401 (k) Retirement Plan with Employer Match
Profit Sharing
Paid time off
Education assistance
Employee Assistance Programs
And much more

Equal Employment Opportunity/Affirmative Action Employer:

Equal Employment Opportunity / Affirmative Action Employer Tompkins Financial Corporation is committed to the hiring, advancement and fair treatment of all individuals without regard to race, color, creed, religion, age, sex, national origin, disability, veteran status, marital status, family status, gender identity, sexual orientation, and genetic information, or any other protected status in accordance with applicable federal and state laws.