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Posted: Wednesday, November 29, 2017 12:04 AM


Underwrites/monitors commercial loan relationships

Prepares credit approval memorandums for moderately complex commercial loan relationships, analyzing their financial statements, business, cash flow capacity, collateral, adherence to loan policy, etc.. to ensure proper credit decision and accurate risk ratings. •Spread more complicated commercial borrowers' business/personal financial statements on the bank's standard spreading software and according to established Bank procedures. •Performs analysis of a guarantor's financial position to develop an understanding of any contingent liabilities and cash flow. •Performs real estate appraisal reviews with supervision. •Complete annual reviews of assigned commercial loan relationships to ensure current information in credit file and accurate risk ratings. •Develops written analysis of the Company's vendors/municipalities. •Participates in special projects/duties as assigned. •Attends training as needed.

Edward Lenz


The Adirondack Trust Company

473 Broadway

Saratoga Springs, NY 12866

• Location: Glens Falls

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