Commercial Credit Analyst

General Electric Credit Union•Blue Ash, OH

12d

About The Position

The Commercial Credit Analyst is responsible for analyzing lending requests and recommending lending decisions based on the credit union’s lending strategy and adhering to policies and applicable regulations, while providing an excellent experience to credit union members.

Requirements

High school diploma or GED required
Minimum 2 to 3 years of commercial underwriting experience required
Ability to work independently with strong organizational skills to manage a pipeline and meet deadlines
Solid financial analytical skills regarding commercial loan cash flow analysis
Detailed understanding of various business structures and the associated risks
Highly detail oriented
Sound knowledge of Commercial Underwriting systems
Strong written and verbal communication skills to convey information to both internal and external members
Understanding of collateral specific issues
Valid driver’s license and insurability with General Electric Credit Union’s insurance company as well as transportation to complete site visits within GECU footprint

Nice To Haves

associate or bachelor’s degree preferred
Preferred Formal Credit Underwriting Training or Certificate

Responsibilities

Enter borrower and guarantor financials into processing system using solid financial analytical skills and understanding of commercial loan cash flow analysis
Collaborate with lenders to prepare credit approval memos for both new and renewed loans
Work closely with the commercial team to gather necessary documentation for annual loan reviews and prepare review memos for management
Complete loan modification request on existing commercial loans
Review current industry trends, commercial lending products, and issues specific to collateral to determine the best underwriting guidelines
Knowledge of and adherence to required federal and state regulations
Perform other duties as necessary to support the team.