COMMERCIAL LOAN ANALYST

SANDIA AREA FEDERAL CREDIT UNION•Albuquerque, NM

17d•Onsite

About The Position

At Sandia Area, every position plays a vital role in fulfilling our mission to deliver high-value banking and lending services that strengthen the financial well-being of our members and community. Each team member is expected to embody our core values of Service, Sustainability, Efficiency, Trust, Stewardship, and Growth, contributing to our vision of empowering lifelong achievement through better banking. While specific responsibilities vary by role, every position carries universal expectations aligned with its level of responsibility and authority across the organization. As a(n) Commercial Loan Analyst at Sandia Area, you are responsible for delivering excellent service while maintaining personal accountability in your actions and behaviors. By prioritizing member satisfaction and operational efficiency, you directly contribute to the organization’s mission of strengthening financial well-being for our members and community. You are entrusted to uphold our values in every interaction, ensuring trust, accuracy, and a focus on service excellence. Reporting directly to the Vice President Commercial Lending, the Commercial Loan Analyst is responsible for providing competent credit analysis for activities such as loan origination, preparing annual term loan reviews, underwriting new loan requests, preparing loan presentations, assisting in the administration of business loans, conducting appraisal reviews, and assisting with special projects or assignments.

Requirements

Expertise in math, finance, and computer applications with a requisite understanding of financial institution operations.
Highly developed analytical and underwriting expertise, credit quality focus.
Excellent oral and written communication.
Well-developed interpersonal skills, to include strong active listening and selling skills.
Mature business judgment and decision-making.
Ability to use critical thinking skills to evaluate information.
Must possess strong sales energy.
Exceptional time management and organizational skills, with the ability to prioritize tasks, manage multiple responsibilities, and adapt to a fast-paced environment.
Proactive in seeking professional growth, embracing both formal and informal development opportunities, and demonstrating adaptability to new responsibilities.
Team-oriented with a strong collaborative mindset, actively supporting team members and contributing to a positive and high-performing environment.
Proficient in Microsoft Office, including Outlook, Word, Excel, and PowerPoint.
Ability to perform essential functions, including the ability to lift up to 10 lbs. as needed.
Bachelor's degree in related field.
Directly related experience, in addition to minimum years required, may be considered as a substitution.
Two (2)year(s) of applicable experience required.
Minimum 2 years experience in loan production.
Extensive experience evaluating various financial documents for lending purposes.
Must have strong relationship management experience and skills for key commercial and small business accounts.

Responsibilities

Processes small business credit applications; verifies credit references and information and prepares loan presentations for approval by the Loan Executive Committee.
Prepares reports for various purposes, including the monthly board packet, for the Loan Executive Committee, etc.
Completes a thorough, in-depth analysis of new small business credit requests, credit requests, renewals and annual relationship reviews. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interviews, and other means.
Prepares spreadsheets, loan approval request forms, term loan reviews and summarizes opinions on new, renewing and existing loans.
Orders, reviews and documents any concerns with reports required in the loan process including, but not limited to, title commitments, appraisals, environmental reports, purchase agreements and legal opinion letters. Reports findings and concerns to the VP Commercial Lending or above.
Monitors loan repayment activities and provides information about delinquent loans to the appropriate loan officer.
Reviews and assures all credit and loan files are accurately maintained and up-to-date.
Handles member complaints and takes appropriate action to resolve them.
Assists the VP Commercial Lending Services with providing regulators and auditors with requested information needed to assess compliance with loan audits, reviews and policy and procedures.
Performs property inspection and risk rating analysis as part of the annual term loan review process. Recommends risk rating changes when analysis merits.
Reviews loan agreements to ensure they are complete and accurate according to policy.
Stays abreast of new types of loans and other financial services and products to better meet member needs.
Demonstrate a strong commitment to upholding the organization’s mission, vision, and values in all interactions and responsibilities.
Represent the credit union with professionalism, integrity, and ethical conduct at all times.
Maintain a thorough understanding and strict adherence to credit union regulations, compliance requirements, policies, procedures, and operational guidelines.
Consistently meet deadlines as assigned while ensuring accuracy, efficiency, and adherence to quality standards.
Foster a positive and supportive environment for both members and employees, ensuring interactions align with the credit union’s mission and service philosophy.
Adhere to all regulatory and compliance policies, upholding the highest standards of security, confidentiality, and ethical financial practices in all interactions.
Maintain the confidentiality and security of information, records, and sensitive data, in compliance with credit union policies and regulatory requirements.
Adapt to evolving responsibilities, taking on additional duties as assigned to support the success of the organization.
Demonstrate a commitment to continuous learning, professional development, and staying informed on industry trends and best practices.
Willing to undergo background and credit checks as required by federal and state regulations.
Understand and comply with all policies, procedures, and legal guidelines, including adherence to the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), and other applicable financial regulations.