Commercial Credit Analyst

JOB REQUIREMENTS: Description Responsible for analyzing business loan requests to develop thorough and objective credit presentations while ensuring the bank's lending policies are followed. Includes analysis of business and personal cash flow and financial statements, comparison with industry trends and/or projections, understanding of collateral requirements and reviewing collateral valuations. These responsibilities also include establishing necessary monitoring reminders to ensure financial requirements are followed. Primary focus will be on preparing credit presentations for lender approval authority requests, renewals, and Treasury Management credit presentation requests. Completing financials spreads and updating financial ticklers. Expected Outcomes Credit presentations are prepared and analyzed to ensure a high quality, accurate assessment of the credit can be determined that identifies strengths and weaknesses of the request. Timely credit presentations are prepared and analyzed for renewals excluding the top 25% of the portfolio Treasury management requests for ACH and Remote Deposit Capture review are prepared to ensure additional extensions of credit can be supported by the member. Annuals reviews are completed in the first 10 months of the year to allow the credit union to foresee any potential risk of loss Financial documents are received, spread, and reviewed; where applicable, credit concerns are noted and escalated. Ticklers are updated for the next review period. Ticklers are removed on paid off loan relationships. Capability Requirements Bachelor's degree in finance, Accounting, Economics, or related field of study. Two or more years of experience working for a financial institution; or combination of applicable work experience and education Solid understanding of financial statements including but not limited to tax returns, profits & loss statements, balance sheets and other business financials. Awareness of laws and regulations that govern lending and accounting practices. Professional well developed interpersonal and communication skills essential for interacting with credit union staff and members. Ability to work effectively in a team-based environment with a variety of personalities. In-depth mathematical skills required (calculations and concepts involving decimals, percentages, fractions, dividend, interest, payoff, and equity calculations etc.). Strong attention to detail with the ability to work efficiently and accurately under pressure and meet deadlines. Ability to plan, prioritize and organize work effectively; make and carry out logical decisions. Working knowledge of Microsoft Word, Outlook, and intermediate knowledge of Excel. The above information in this description has been designed to indicate the general... For full info follow application link. Summit Credit Union is proud to be an Equal Opportunity and Affirmative Action Employer of Veterans, Minorities and Individuals with Disabilities. ***** APPLICATION INSTRUCTIONS: Apply Online: ipc.us/t/F91914A3E5274C6B