Business/Commercial Lending Credit Analyst II

Center Parc Credit Union•Hapeville, GA

31d

About The Position

JOIN our dynamic team as a Business / Commercial Lending Credit Analyst, where your expertise in business lending underwriting and portfolio management will be essential. We're looking for an individual who has a proven track record in spreading financials and making insightful credit memo recommendations. If you are driven, detail-oriented, and ready to make an impact in a fast-paced environment, we want to hear from YOU! The Business Lending Credit Analyst II role is responsible comprehensive analytical review of commercial loan request and periodic reviews to ensure compliance with commercial lending policies, and procedures. The incumbent provides independent analytical and credit review support to the Business Lending and Business Services areas of the credit union.

Requirements

A bachelor's degree in a finance, business administration, accounting, or other relative areas of study
2 years specific commercial credit analysis experience in a financial institution
Relative commercial real estate work experience
Working knowledge of financial analysis software

Nice To Haves

A bachelor's degree in a finance, business administration, accounting, or other relative areas of study
Commercial Banking and Credit Analyst (CBCA) or other relative certification(s)
Prior credit analyst work in a credit union
Previous experience with Symitar

Responsibilities

Deliver outstanding service to both internal and external members that is in alignment with our Service Promises:
Spread and analyze financial statements, including cash flows, performance ratios, and proformas to develop initial assessments by identifying strengths and weaknesses pertaining to a borrower’s past and future performance.
Coordinate completion and reviews of MBL loan requests of any loan relationship/request size, including commercial vehicles, equipment, and real estate.
Work with Loan Officers in preparing in-depth written analyses on loan relationships for presentation in the approval process. This includes credit investigation of borrowers and guarantors; economic and market conditions as they relate to the company, industry, and market area; historical financial analysis, and analysis of a guarantor’s financial position and cash flow coverage.
Collect and maintain industry data; research industry specific information from outside sources, including conversations with the borrowers, industry publications, credit agencies, etc. Present compiled data and recommends enhancements.
Attend loan approval and loan audit meetings as required and requires the ability to answer questions regarding an analysis of a particular loan proposal. Prepare entire proposal packages, as necessary.
Establish and maintain credit files for each relationship. Ensure that member’s credit information such as loan documentation, financial statements, tax information, insurance binders, credit history from trade references, and correspondence are incorporated in the credit file, are current, and are obtained in a timely manner. Notify management of any violations, and request follow-up to resolve or waive.
Prepare and send out notification letters to members requesting updated credit information and financial statements, as necessary.
Assist the department manager in writing or updating policies and procedures relating to Member Business Lending.
Provide support to management in the development and implementation of special reports and/or special projects to maintain a sound and solid loan origination process.
Perform collateral analysis as needed: appraisals, environmental reviews, flood certs.
Effectively uses written and oral communication skills in daily correspondence and completion of tasks.
Maintains up-to-date knowledge of the products and services offered by the credit union
As required, may assist management in providing on the job training to other credit analysts in the department.
Maintains up-to-date and comprehensive knowledge and application of all state and federal laws and regulations applicable to business accounts, and commercial real estate transactions.
Adhere to NCUA regulations relating to Member Business Lending.
Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position.
Perform other duties as assigned.