Apple Bank

Assist in managing a loan portfolio, perform risk analysis, and support credit approval processes. | Bachelor's degree in Finance, Economics, or related field, 2-3 years of relevant experience, proficiency in MS Office, and understanding of financial transactions. | Manhattan, New York Salary range: $95,000 - $145,000 **Salary is commensurate based on experience** The Project Finance Credit Analyst assists in the active management of a loan portfolio with a focus on large projects in various industries including data centers, infrastructure, renewable energy, LNG liquefaction and export terminals. The incumbent is responsible for risk grading and risk analyses/credit approval for annual reviews, amendments, renewals and/or modifications, related documentation, and the organized tracking and monitoring of account and portfolio performance. ESSENTIAL DUTIES & RESPONSIBILITIES Assist in monitoring the loan portfolio and updating risk management reporting tools, in collaboration with management, loan operations staff and other key stakeholders. Monitor reporting and compliance requirements in loan documentation; review deliverables to confirm acceptable performance and ratings. Coordinate with key internal partners to support servicing of existing customer base. Ensure timely completion and tracking of internal deliverables such as reviews and renewals for existing credit customers. Work in conjunction with manager to prepare for and present at loan committees and credit quality reviews as applicable. Identify and resolve operational and credit issues with loans held in portfolio. Evaluate and make recommendations of loan amendments, increases, extensions and modifications. Prepare and present deal-screening memorandum and prepare approval memorandum concisely analyzing borrower/guarantor/off taker’s financial condition, perform cashflow and collateral analysis, base and downside projection analysis, and analyze credit metrics to determine credit risk. Run risk rating model, interpret and support the risk rating recommendation. Ensure compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements; identify and report exceptions and mitigate. Assess industry/market/external factors impact on the credit transaction. Monitor adequate completion of credit approval process, closing and post approval items. Participate in ongoing pipeline meetings. Maintain trend cards on a timely basis and ensure that files are kept up to date and orderly. Approve funding requests in coordination with loan operations. Conduct post-closing credit file and maintain post-closing files. Assist Risk Team in the management of delinquent loans and reporting on status of delinquent loans. Perform other duties as requested. SKILLS, EDUCATION, & EXPERIENCE Bachelor’s degree required, preferably in Finance, Accounting, or Economics. 2 - 3 plus years of relevant experience. Understanding of Project Finance transactions desired. Advanced analytical and financial modeling capability. Develop and maintain in-depth understanding of commercial, economic and financial circumstances and how they impact loan borrowers and sponsors. Self-starter with demonstrated ability to manage a transaction. Must be proficient in MS suite of products (Word, Excel, & PowerPoint). Excellent communication skills (verbal + written). Strong interpersonal skills, and proven ability to work in a team environment. Visa sponsorship not available. We are an equal opportunity employer and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, military and/or veteran status, or any other Federal or State legally-protected classes. Since 1863, Apple Bank has been a stable banking presence in New York City and its surrounding communities. We seek to put the best interests of our customers first and to manage our company prudently and responsibly. When you join the Apple Bank team, you’ll be working with a group of dedicated and talented professionals focused on delivery of an outstanding customer experience. For more than 160 years, Apple Bank has been invested in our customers and communities, striving always to put their best interests first. Along the way, our employees have been the key to our success. Whether you’re just beginning, continuing or changing your career, Apple Bank offers a range of career opportunities. We’ll support you in developing your potential to the fullest, while you contribute to our growth and success. Apple Bank's employment policy is to provide equal opportunity to all persons. The Bank prides itself in having a diverse and inclusive workforce. No employee or applicant for employment will be discriminated against because of race, color, citizenship status, religion, sex, sexual orientation, creed, national origin, age, physical or mental disability, veteran status, political affiliation, domestic violence victim status, predisposing genetic characteristic, or any other Federal or State legally-protected classes. Apple Bank will make reasonable accommodations for known physical or mental limitations of otherwise qualified employees and applicants with disabilities unless the accommodation would impose an undue hardship on the operation of our business. If you are interested in applying for an employment opportunity and feel you need a reasonable accommodation pursuant to the ADA, please contact us at talentacquisition@applebank.com. Know Your Rights: https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf The Pay Transparency Notice: https://dol.ny.gov/system/files/documents/2024/04/p688-pay-transparency-law-for-employee.pdf

Analyze and optimize business processes by identifying inefficiencies and automation opportunities, document workflows and solution designs, and collaborate with stakeholders and technical teams to implement improvements. | Bachelor’s degree, 6+ years in business or data analysis, familiarity with business analysis methodologies and automation tools, experience documenting user stories in Agile environments, and preferred business analyst certifications. | New York, NY- Hybrid Salary Range: $135,000 - $155,000 The Enterprise Operational Analyst will play a key role in driving the business process optimizations and automation initiatives across the enterprise. Under the leadership of the Deputy Director of Enterprise Business Solution Architect, this position focuses on analyzing current business processes, identifying inefficiencies and gaps, and recommending automation opportunities to enhance operational efficiency and reduce manual effort. The Analyst will bridge the gap between business needs and technology solutions by delivering actionable insights, supporting solution design efforts, and producing high-quality documentation to implement process improvements. ESSENTIAL DUTIES & RESPONSIBILITIES Partner with business units and product owners to evaluate and document existing business processes to identify inefficiencies and automation opportunities. Assess complex business processes by conducting gap analysis and recommend improvements aligned with strategic goals. Identify bottlenecks, redundancies, and automation opportunities. Create a future state solution design document for process optimization including exception processes. Collaborate with stakeholders to gather and validate business processes enhancements recommendations Support the design and implementation of automation solutions in partnership with technical teams. Document workflows, requirements, and solution designs with clarity and precision. Monitor post-implementation performance and support continuous improvement efforts. Ensure alignment between business objectives and technology capabilities. Create and maintain user stories, solution requirement documents, and workflow diagrams to support solution design and development. Present findings and recommendations to stakeholders in a clear and actionable manner. Collaborate with Risk, Audit, and Legal teams as needed. Participate in vendor demos and/or vendor meetings related to automation opportunities provided by third party partners and document the business requirements required to leverage federated solutions (i.e. work with Contact Center or OLB vendors related to bots or AI features). Perform other duties as assigned. SKILLS, EDUCATION, & EXPERIENCE Bachelor’s degree in business administration, information systems, computer science, or a related field required. 6 + years of experience in business analysis, data analytics, or systems analysis. Business Analyst Certifications (e.g., CBAP, PMI-PBA, Lean Six Sigma, or RPA tools like UiPath Academy) are a plus. Strong foundational knowledge in business analysis methodologies, process modeling, and enterprise systems. Familiarity with automation tools and platforms such as UiPath, Automation Anywhere, or Microsoft Power Automate is a plus. Experience documenting user stories and solution requirements in Agile or hybrid environments. Experience or knowledge of Large Language Models (LLM), Microsoft CoPilot, Agentic AI, or other AI experience a plus Strong analytical, problem-solving, and communication skills. Experience of working in cross-functional teams and agile environments. Visa sponsorship not available. We are an equal opportunity employer and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, military and/or veteran status, or any other Federal or State legally-protected classes. Since 1863, Apple Bank has been a stable banking presence in New York City and its surrounding communities. We seek to put the best interests of our customers first and to manage our company prudently and responsibly. When you join the Apple Bank team, you’ll be working with a group of dedicated and talented professionals focused on delivery of an outstanding customer experience. For more than 160 years, Apple Bank has been invested in our customers and communities, striving always to put their best interests first. Along the way, our employees have been the key to our success. Whether you’re just beginning, continuing or changing your career, Apple Bank offers a range of career opportunities. We’ll support you in developing your potential to the fullest, while you contribute to our growth and success. Apple Bank's employment policy is to provide equal opportunity to all persons. The Bank prides itself in having a diverse and inclusive workforce. No employee or applicant for employment will be discriminated against because of race, color, citizenship status, religion, sex, sexual orientation, creed, national origin, age, physical or mental disability, veteran status, political affiliation, domestic violence victim status, predisposing genetic characteristic, or any other Federal or State legally-protected classes. Apple Bank will make reasonable accommodations for known physical or mental limitations of otherwise qualified employees and applicants with disabilities unless the accommodation would impose an undue hardship on the operation of our business. If you are interested in applying for an employment opportunity and feel you need a reasonable accommodation pursuant to the ADA, please contact us at talentacquisition@applebank.com. Know Your Rights: https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf The Pay Transparency Notice: https://dol.ny.gov/system/files/documents/2024/04/p688-pay-transparency-law-for-employee.pdf