Business Loan Analyst (hybrid, must reside in WI or MN)

WESTconsin Credit Union Careers•Menomonie, WI

2d•Hybrid

About The Position

At WESTconsin Credit Union, we believe in the power of people helping people. Our mission is to give members, communities, and one another the inspiration, resources, and support to achieve financial wellness. We fulfill our mission by creating a positive impact in our members' lives by providing trusted financial services and building lasting relationships. If you're looking to work for an organization where your contributions matter, where teamwork and community are at the heart of everything we do, and where you can grow in a dynamic, supportive culture—then you're in the right place! We’re more than just a credit union; we strive to make a real difference. Ready to make an impact? Let’s grow together!

Requirements

Bachelor’s degree in a related field such as accounting, finance, or business, or an equivalent combination of education and relevant experience.
Two (2) years of related work experience preferred
Successful analysts demonstrate a high level of attention to detail, strong written and verbal communication skills, the ability to work independently, and excellent analytical and critical-thinking abilities.
Working knowledge of Member Business Lending (MBL) policy and related procedures.
Proficient in the systems and tools used within Business Loans and Services to originate, monitor, and manage member business loans, including but not limited to the core system, Microsoft Office applications, Loan Operating System, and other technologies utilized for the generation of member business loans.

Responsibilities

Assess the credit risk of business members to support informed loan relationship decisions, with a primary focus on small business and lower complexity business relationships.
Interpret and analyze financial statements, cash flow, and relevant market and industry information to evaluate overall creditworthiness.
Prepare comprehensive credit presentations that clearly analyze credit information and provide a detailed assessment of the applicant’s financial condition, including identification of trends, strengths, and potential weaknesses.
Measure and evaluate credit risk through stress testing, collateral analysis, and sensitivity analysis for business member relationships.
Assign accurate and well-supported risk ratings that appropriately reflect the level of credit risk to WESTconsin Credit Union.
Demonstrate the ability to review, understand, and interpret collateral valuation reports and clearly incorporate conclusions into credit presentations.
Complete annual financial reviews for business loan members in accordance with established policies and procedures.
Manage ticklers, reporting requirements, and workflow tasks to ensure timely monitoring and effective relationship management.
Review interim financial information to confirm compliance with covenants outlined in Business Loan Agreements, such as borrowing base requirements, minimum debt service coverage ratios, and other financial covenants.