Commercial Lending Credit Analyst II

First Tech Credit Union • Hillsboro, OR

57d • $70,000 - $83,000 • Hybrid

About The Position

The Credit Analyst II, Commercial reviews credit data, analyzes financial information and builds more complex credit files to prepare the commercial loan request for evaluation.

Requirements

• Minimum Education: Bachelor's degree in Business Administration is preferred
• Minimum 3 years' experience in an analyst role supporting commercial and business lending functions; experience evaluating and analyzing complex tax returns
• Demonstrated ability to present complex commercial lending and credit risk related information to targeted audience
• Ability to work autonomously to manage time effectively and prioritize work appropriately to meet deadlines
• Strong analytical and problem-solving skills; ability to resolve complex issues with minimal direction
• Demonstrated effective time management skills and the ability to work independently or in a collaborative team environment
• Strong business communication skills; able to write/speak clearly and professionally for a variety of stakeholders
• Demonstrated ability to establish credibility and rapport with internal and external stakeholders
• Proven ability to maintain confidentiality and professionally handle sensitive documents
• Strong working knowledge of Microsoft Office Suite
• Certification/License: N/A

Responsibilities

• Review third party reports, cash flow analysis, credit strength, property characteristics and all other information pertinent to the credit decision process on each application
• Analyze sources of more complex financial information, such as financial statements, credit bureau reports and cash flows to determine potential risk and profitability of loan
• Complete financial and repayment analysis with a focus on cash flow, liquidity, and leverage analysis
• Partner with borrowers, lenders, legal counsel, commercial loan officers, and servicing regarding commercial real estate finance and loan administration
• Create and distribute reports to leadership as required, using key performance metrics and data to provide insights and make strategic business recommendations
• Prepare reports in response to new and additional credit proposals for loan officers and committees
• Participate in training and orientation of Credit Analysts

Benefits

• Traditional medical, dental, and vision coverage
• 401K matching up to 5% per pay period
• Accrue up to 17 days of Paid Time Off your first year of employment
• 11 paid federal holidays
• Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility for special employee pricing is subject to standard account requirements and underwriting criteria)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Number of Employees: 1,001-5,000 employees