Commercial Credit Analyst

Bellco Credit Union • Greenwood Village, CO

6d • Onsite

About The Position

Perform periodic reviews for Bellco originated loans and purchased participations from other credit unions utilizing Bellco approved forms and methodology. Use business, personal and global financial data to make risk rating grade recommendations. Review adverse graded loans for any requested modifications to mitigate risk and preserve Bellco’s credit quality. This role involves underwriting and analyzing new commercial loan requests to maintain service levels and ensuring operational excellence and regulatory compliance with all state and federal laws and regulations as it relates to commercial loans. The analyst will also work with participating credit unions and CUSO personnel on loan files and documents, and may occasionally drive to vendor locations or member meetings, or perform property inspections in the Denver metro area.

Requirements

• A bachelor’s degree with emphasis in business or finance, or equivalent work experience.
• 5-7 years commercial underwriting experience, including moderately complex commercial real estate transactions.
• 5+ years overall banking experience, including client-facing roles.
• Operating knowledge of banking regulations, intermediate knowledge of financial analysis.
• Previous experience in risk ratings and loan structures for commercial loans.
• Intermediate experience with commercial credit policies, procedures and practices.
• Understanding methodology of property, business and individual cash flows, global cash flows and complex legal organizational structures.
• Ability to analyze and underwrite moderately complex commercial real estate loans, with loan amounts ranging from approximately $1 million to $25 million.
• Good verbal and written communication and interpersonal skills, and ability to compose complex and lengthy review forms, summarizing strengths and weaknesses.
• Ability to perform mathematical calculations with speed and accuracy.
• Ability to prioritize multiple tasks and responsibilities at one time.
• Ability to manage heavy workloads of loan transactions.
• Ability to assess risk versus investment for credit quality.
• Ability to work independently and within a structured environment.
• Operating within stated policies and procedures.

Nice To Haves

• None

Responsibilities

• Perform periodic reviews for Bellco originated loans and purchased participations from other credit unions utilizing Bellco approved forms and methodology.
• Use business, personal and global financial data to make risk rating grade recommendations.
• Review adverse graded loans for any requested modifications to mitigate risk and preserve Bellco’s credit quality.
• Underwrite and analyze new commercial loan requests as necessary to maintain service levels.
• Responsible for operational excellence and regulatory compliance with all state and federal laws and regulations as it relates to commercial loans.
• Provides a valuable and enjoyable experience to both internal customers and members during interactions.
• Consistently suggests ways to improve the member/customer experience through improved processes and technology.
• Recommend and be able to deliver ongoing training for others as needed.
• Work with participating credit unions to facilitate the supply of all required source documents and executed loan documents during evaluation and after the participation sale, including annual review documents and related source documents.
• Work with Centennial Lending CUSO personnel on closed loan files serviced by the CUSO.
• Occasional driving to vendor locations or member meetings may be required.
• Occasionally perform property inspections in state the Denver metro area as needed.
• Performs other related duties as assigned by management.
• Be available to work as scheduled and report to work on time.
• Be willing to accept supervision and work well with others.
• Comply with all organizational policies, the Employee Handbook, Code of Conduct, and required annual training.
• Fosters an inclusive workplace where diversity and individual differences are valued and leveraged to achieve the vision and mission of the organization.
• Adheres to safe working practices and always follows all organizational safety policies and procedures.
• Demonstrates compliance with all state, federal and all other regulatory agency requirements.
• Ensure strict confidentiality of all records and PII.

Benefits

• None explicitly mentioned, but core values suggest a supportive and ethical work environment.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level