Senior Credit Analyst - C&I

  • New York, NY, USA
  • Full-time

Company Description

Israel Discount Bank of New York, also known by its registered service mark, “IDB Bank”, is a full service commercial bank chartered by the State of New York and a member of the Federal Deposit Insurance Corporation (FDIC). Our liquidity and capital ratios are strong, and we are ranked by Crain’s New York Business as the 14th largest commercial bank in the New York area.  We are an Equal Opportunity Employer EOE/M/F/V/D.

Job Description

Perform ongoing  financial analysis with high accuracy in a fast paced environment to include spreading of both historical and projected financial statements, aging of accounts receivable, financial summaries, borrowing base tracking and compilation of borrower information from various internal systems in support of the lending function

Research credit worthiness using resources such as  Dun and Bradstreet reports for agings of accounts receivable

Mentor and develop junior analysts to increase level of knowledge and improve quality of output. 

Investigate and resolve account officer inquiries and requested revisions.  Implement best practices and process improvement where appropriate

Provide back-up for monthly and quarterly reporting consisting of pledging to the FRB and FHLB for the commercial and real estate portfolios including assessment of eligibility, calculations based on property and loan data and regular information updates; loan reconciliations; industry concentrations and unused commitments as needed

Ensure that all work processed meets audit and compliance requirements

Participate in department projects and initiatives as required

Assist in testing and implementation of system enhancements as required

Prepare and circulate departmental reports as assigned.

Other duties as assigned.


Minimum 3-5 years experience in a commercial credit evaluation environment

BS degree in Accounting / Finance or business related field

 Working knowledge of commercial credit systems as well as corporate financial systems (i.e., Loans and Deposit Balances,  Collateral & Doc Tracking) 

Excellent research and analytical capabilities

Strong verbal and written communication skills and comfort working with and supporting the Business Units

Proficient in MS Office and other productivity software tools with a minimum intermediate level knowledge of Excel including aptitude working with large data pools.  Knowledge of Moody’s Risk Analyst financial statement spreading software is a plus

Experience in developing junior analysts is a plus

 Familiarity with legal documentation is a plus

Additional Information

All your information will be kept confidential according to EEO guidelines.

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