Commercial Credit Analyst I

State Employees Credit Union•Albuquerque, NM

13d•$61,397 - $76,747•Onsite

About The Position

This employee is responsible for assisting the Commercial Loan Department with the analysis of financial information provided by businesses and/or individuals to assess the overall credit worthiness and risk associated with new and existing commercial and business loans. The commercial credit analyst prepares loan presentations documenting findings and recommends terms, conditions, and loan structure according to lending regulations and State ECU's policies and procedures. Performs periodic reviews of commercial loans considering borrower's financial condition, collateral, market trends and other pertinent information to properly assess risk. Keeps abreast of financial and market trends impacting the portfolio. Reports findings and recommendations to management. All employees of State Employees Credit Union are proactive, result driven, and fully committed to the Credit Union's mission and vision. They strive to achieve the highest standards of excellence and consistently exceed the expectations established by Credit Union Management.

Requirements

Strong interpersonal relationship/communication skills and attention to detail
Advanced knowledge in the review of commercial credit applications and borrower capacity to
Extensive experience with accounting, financial statements, cash flow, and borrower-risk analysis.
Ability to work independently with little supervision as well as in a team environment.
Strong analytical
Experienced in the appraisal and underwriting of commercial
Proficient with the Microsoft Office
Education or experience equivalent to a bachelor's degree in accounting, Finance, or related field, in addition to 1 to 3 plus years of relevant
Must be capable to execute all terms and conditions set forth in the Employee Handbook, including but not limited to:
Works in a safety conscious manner which ensures that safe work practices are used in order not to pose a risk to self or others in the workplace.
Adheres to policy on Drug Free
Complies with company policies and procedures and local, state and federal
Prolonged periods of sitting at a desk and working on a
Must be able to lift 15 pounds at times.
Must be able to access and navigate each department at the organization's

Responsibilities

Take a lead role in the analyses of commercial credit applications and related operations
Responsible for evaluating a borrower's capacity to pay, capital position, economic trends and forecasts in mitigating loan-risk, identifying special risk based on the unique needs of the borrower and the loan, and making recommendations through underwriting to effectively manage commercial credit risk for the
Compile, prepare, and present Credit Approval Presentations for loan
Interview Commercial & Business members for new accounts and loans.
Prepare cash flow analysis of personal and business tax returns and financial statements.
Prepare and submit Commercial & Business loan requests for
Maintain and review commercial loan maturity report.
Collect Commercial & Business loan financial documentation for annual reviews and possible renewals
Complete and update Commercial & Business loan
Review Commercial & Business loan call report provided by CFO for
Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on commercial lending
Ensure the Credit Union provides high quality services to its members in lending and related
Participates in any other activities deemed necessary to further support the lending functions of State Employees Credit
Ensures that all Credit Union policies and procedures are followed, comply with all applicable laws, regulations and have strong working knowledge of
Understand compliance issues & attends training as they relate to Commercial Credit Analyst, including, but not limited to Anti-Money Laundering, OFAC, Bank Secrecy Act; Reg P; Patriot Act.
Report all suspicious activity to the BSA Compliance Officer, and following policy/procedure as it pertains to the job
Performs other duties as assigned.