Junior Credit Analyst

About us:

ConnectOne Bank proves that putting people first is a better way to do business. At ConnectOne, we’re builders — of businesses, communities, and equity. Most importantly, we’re building opportunities. Our mission is to ensure our employees feel empowered to make important decisions, reach their potential and truly make an impact.

ConnectOne is a growth organization by design; it is part of our DNA and we take pride in seeing our employees grow with us. Founded in 2005 by an entrepreneur, we have grown into a high-performing commercial bank, inspiring a new model for our industry’s future. By embracing technology and all the ways it can help us become a world-class service organization, we support small business owners by fueling their mission.

People First is the blueprint for our culture. It is at the foundation of everything we do and the decisions we make. At ConnectOne, you have the opportunity to be a part of a dynamic culture and team. Develop your forward-thinking skills, thrive in an entrepreneurial setting, and succeed at “a better place to be”.

ConnectOne Bank is an Equal Housing and Equal Opportunity Lender, and a member of the Federal Deposit Insurance Corporation.

About this role :

The Junior Credit Analyst is responsible for assisting with the written analysis and underwriting of the credit worthiness of new loan proposals as well as existing loans, identifying credit policy exceptions and other credit issues in order to identify and protect the asset quality of the Bank’s commercial loans.

In this role you will :

• Support the Bank’s “People First” focus and rules of engagement—maintaining a professional demeanor, working as an active member of the CNOB team, providing clients excellent service, always striving to make CNOB “A Better Place to Be”
• Assist with all aspects of preparing credit analyses for loan requests including financial statement analysis, collateral analysis (including third party reports), risk rating recommendations, trend analysis, and identifying the credit’s strengths and weaknesses.
• Assist with the preparation of a written recommendation as to whether the proposed loan should be approved as presented; provide alternate loan structure recommendations as appropriate.
• Prepare financial statement spreadsheets including a measurement of various financial ratio trends to evaluate financial status.
• Assist the Loan Officers with the completion of annual loan reviews as required.
• Assist in the outgoing mailing of annual financial statement follow-up letters to borrowers; track and monitor the Bank’s receipt of this information.
• As needed, attend Loan Committee meetings and assist with the preparation of the minutes.
• Retrieve credit reports for individual borrowers and/or guarantors..
• Order flood search as appropriate.

Must haves :

• Strong “People First” interest and ability.
• Knowledge of relevant Federal and State banking regulations
• Working knowledge of basic accounting principles and credit concepts.
• Basic knowledge of loan types and loan structures.

Bonus Points For:

• Working knowledge of Google applications and products
• Working knowledge of the nCino platform
• 2 years of banking experience is preferred.

Additional information

Benefits:

• World class health, vision, and dental benefits on day one
• 401k with employer match
• Hybrid work from home (depending on role)
• Employee appreciation events (team building, softball games, food truck days, etc..)
• Employee assistance programs (EAP)
• Wellness programs (flu shot, preventive care, health programs and services discounts, etc..)
• Tuition reimbursement
• Employee Discount perks
• CNOB Community Service Events

….and much, much more!

Studies have shown that individuals from underrepresented groups, may only apply to roles if they meet 100% of the qualifications. Roles evolve over time, especially with innovation, and you may be just the person we need. We hope you're open to learning new skills and growing with us. We encourage you to apply to continue making us “a better place to be!”

ConnectOne Bank is an equal opportunity employer and does not discriminate with respect to any term, condition or privilege of employment based on race, color, religion, sex, sexual orientation, gender identity or expression, age, disability, military or veteran status, marital status, or status of an individual in any group or class protected by applicable federal, state, or local law.

ConnectOne Bank also provides reasonable accommodations for qualified individuals with disabilities in accordance with the Americans with Disabilities Act and applicable state and local laws. If an accommodation is needed to participate in the job application or interview process, please contact Talent Acquisition.