Commercial Credit Analyst 2

Jovia Financial Credit Union•Westbury, NY

5d•Hybrid

About The Position

Join our team and begin writing your next success story with us. If you’re looking for a place where culture and leadership matter, look no further. Whether you work here, bank here, or are just getting to know us — this is what it feels like to be part of Jovia. We are Jovia Financial Credit Union. Our name evokes joy, a feeling of optimism, trust, and “banking on the bright side”. We are a new kind of credit union, one that combines service and value with the convenience that today’s technologies allow. At Jovia, we have provided brighter banking for over 85 years, driven by values like innovation, convenience, and community. As a not-for-profit organization, we focus on what’s best for our members, not profits - Come see for yourself! Awarded as one of the best places to work, Jovia has more than $4 billion in assets, 240,000 members, and 500+ employees, we attract the best and the brightest talent-- who do the right thing and present a can-do spirit in a culture of fun, fulfilment, advancement, and development. Find your joy here, every day. Our employees are passionate about our mission, growing through professional development and making a real difference through community involvement and service. We offer a diverse, inclusive work environment with flexible opportunities and competitive benefits. Join us in shaping the future of banking by joining our team.

Requirements

College degree preferred
Minimum of two (2) years of experience in commercial lending
Individual must function with minimum supervision, have a positive attitude, and impart a team player mentality.
Have excellent organizational and time management skills, ability to work with minimal or no supervision.
Must be able to handle multiple projects and tasks and meet deadlines.
Proficient in math and calculations related to lending. Well versed in Microsoft Word and Excel.
Detail oriented, excellent analytical skills, aptitude for figures, and computer/Internet savvy.
Internet speed of 100 mbps or higher required (you can test this by going to www.speedtest.net).
Able to dedicate a quiet space for daily work that is free of sound interruptions.

Responsibilities

Review loan packages to ensure all financial information has been obtained with appropriate signatures.
Gather and review all necessary underwriting information including but not limited to financial statements, tax returns, rent rolls and operating statements, liquidity statements, projections, credit report, legal documents to determine the degree of risk involved and the proper premium for acceptable risks. Accepts risks that meet underwriting standards and declines those which do not, within assigned scope of broad underwriting authority.
Review real estate purchase contracts, title reports, appraisals, and environmental reports for collateral evaluation.
Underwrite business credit cards and overdraft lines of credit up to $50,000.00.
Maintain up to date knowledge of and adhere to relevant NCUA, federal, and state lending regulations, and Jovia loan policies, procedures, and underwriting guidelines.
Validate all Jovia loan policies and underwriting guidelines were met before submitting to Management and MBL Committee for decisioning.
Assist with preparing closing loan documents.
Assist with scanning and filing of loan documentation received in connection with new loan application or existing loans.
Attend and participate in Member Business Loan Committee meetings and serve as Minute Taker of Loan Committee meetings and distribute the minutes to all relevant people as detailed in the Participants section. Ensure that a copy of the meeting minutes is filed appropriately for future reference.
When needed, resolves member issues pertaining to business practices, policies and procedures.

Benefits

Competitive compensation with paid training
Engaged Managers who value your input, are transparent, and provide coaching for your success
Professional Development with growth opportunities and a supportive learning environment
A friendly, inviting work culture filled with social activities that inspire creativity and collaboration
Retirement Benefits, featuring a 401(k) with a generous match plus a defined pension plan
Comprehensive benefits including Medical, Dental, and Vision coverage
Employee Activity Groups that foster a sense of belonging and teamwork
Tuition Reimbursement and School Loan Repayment plans for Full-Time employees
Gym Reimbursement and Employee Wellness time off to support your health and wellness
Flexible PTO options that include vacation payout and sick time incentive payouts
Discounts on Employee Loans to help you create financial success
Supplemental Benefits such as Pet Insurance, Legal plan, and AFLAC plans
A CEO with brilliant vision and aspiration