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Senior Commercial Credit Analyst FT - Exempt - Financial Center First CU

by League Communications | May 26, 2022

Salary Range:$50,000.00 To 75,000.00 Annually

All employees hired after January 10th 2022, are required to be vaccinated against COVID-19 and provide proof of vaccination prior to start date or receive an approved exemption as a condition of employment.  

All applicants are required to pass a background check as a condition of employment.

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PURPOSE: The Commercial Credit Analyst has responsibility for responsive credit approvals and providing credit guidance to lender(s) in administering the loan portfolio; provides credit process support and leadership in achieving creditworthy profitable growth of the commercial loan portfolio.

 CULTURAL EXPECTATIONS:

  • Adheres to Financial Center’s Policy and Procedures 
  • Acts as a role model within and outside Financial Center 
  • Maintains a positive and respectful attitude 
  • Communicates regularly with supervisor about department issues 
  • Demonstrates flexible and efficient time management and ability to prioritize workload 
  • Consistently reports to work on time prepared to perform duties of position 
  • Meets Department productivity standards
  • Demonstrate enthusiastic support of corporate mission, core values and long term objectives
  • Performs daily assignments independently 
  • Resolves questions or problems on the basis of past precedent and interpretation of policy and procedural guidelines
  • Work is reviewed for adherence to policies and procedures.

 ESSENTIAL DUTIES: 

  • Administers the loan portfolio to ensure a proper mix of loan types, maximize yield, maintain quality, reinforce servicing standards and minimize losses
  • Provide guidance to the Executive Director of Commercial Lending engaged in lending activities  
  • Informs the Assistant Vice President of Commercial Lending and members of the Business Loan Committee in a consistent and timely manner of material matters and emerging trends affecting the loan portfolio, loan policy, and individual loan transactions   
  • Looks for opportunities to increase efficiencies and reduce costs
  • Ensures that loan services are provided to borrowers & staff including credit analysis, evaluation of financial statements, credit investigations, and collection of overdue loans
  • Assists the members of the Business Lending Committee in developing expertise and understanding standards for credit process, credit analysis, risk ratings, exceptions and portfolio reporting
  • Advises and assists in problem loan workout account strategies including decision making, monitoring, remedial action and customer meetings
  • Assists the commercial lending department with various operational aspects of the department to include account maintenance and document preparation 
  • Provides effective coaching and management of Commercial Credit Administrator and Jr. Commercial Analyst positions
  • Responsible for the development and effective monitoring and reporting of their performance through the Credit Union’s performance management process
  • Works closely with the Commercial Lending team to ensure a thorough workup and review process is conducted in a timely efficient manner.
  • Provides effective coaching and management of Commercial Credit Administrator and Jr. Commercial Analyst positions

 REQUIRED BACKGROUND:

  • Requires knowledge typically gained through the attainment of a four-year degree in business, accounting or finance or equivalent related experience
  • Preferred to have a minimum of 5 years relevant commercial lending experience, specific to credit analysis and review
  • Preferably have at least 2 years supervisory experience
  • Ability to successfully coach and develop assigned staff
  • Ability to manage multiple priorities and deadlines
  • Strong analytical and credit risk assessment skills
  • Strong written and verbal communication skills, self-motivated, strong interpersonal skills
  • Articulate and comfortable in communicating with all levels within the CU organization and with external customers
  • Proficient computer skills.  Working knowledge of Word and Excel
  • Knowledge of NCUA & DFI regulations pertaining to lending and debt collection
  • Knowledge of credit union policy, underwriting guidelines and procedures
  • Must be able to achieve proficiency on Credit Union computer system and Microsoft Office products

 WORK ENVIRONMENT: The work requires physical mobility within the general work environment, continual communication with members, repetitive tasks and a high level of attention to security. The work is performed in a general office environment. Some travel may be required to the outlying branches, commercial client locations or area business/community functions.

 To apply, use this link:

https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=0f0d78b0-14da-46c5-8578-4202822c78de&ccId=19000101_000001&jobId=438121&lang=en_US&source=CC4