Credit Analyst

Alabama Credit Union • Tuscaloosa, AL

1d • Onsite

About The Position

Ensures accurate risk rating for all loans in Alabama Credit Union's lending portfolio. Maintains records and files on all credit transactions, including correspondence and documents. Uses commercial analytics and tracking software to perform initial and ongoing analysis of commercial loans and individual guarantors risk rating.

Requirements

• One year to three years of similar or related experience
• Two years of experience in consumer and commercial loan analysis
• Equivalent to a college degree (BS or BA in Finance or Statistics)
• Proficiency in Sageworks software strongly preferred
• Thorough understanding of report-building, including formatting, ensuring accuracy, and utilizing the data for practical application
• Proficiency in the use of a personal computer to include advanced knowledge of MS Word, and Excel
• Ability to use web and web-based applications
• Proficiency in the use of a 10-key calculator
• Keyboarding 30 wpm
• Advanced Spectrum and Teller Advantage
• Thorough knowledge and understanding of ACU policies and procedures
• Thorough knowledge and understanding of governmental regulations for financial institutions
• Excellent oral and written communication skills
• Strong organizational skills
• Indirect supervisory skills
• Ability to comprehend and apply rules and guidelines appropriately within position
• Professional presentation and the ability to maintain a calm demeanor under potentially stressful circumstances
• Ability to change tasks quickly and efficiently
• Ability to manage multiple conflicting priorities
• A very high degree of accuracy is required
• Ability to listen to and comprehend member and co-workers' needs
• Ability to maintain confidentiality as appropriate
• Ability to resolve member and co-workers' problems efficiently and appropriately
• Self-motivation to complete job tasks to the best of personal ability
• Eagerness to learn new information in a fast-paced environment, and adaptability to apply new information as appropriate
• Ability to coach employees on how to describe and sell appropriate products and services to members, and how to act professionally to patrons while doing so
• Capable of operating all types of office equipment including computer, copy machine, fax, and telephone

Responsibilities

• Ensures accurate risk rating for all loans in Alabama Credit Union's lending portfolio.
• Maintains records and files on all credit transactions, including correspondence and documents.
• Uses commercial analytics and tracking software to perform initial and ongoing analysis of commercial loans and individual guarantors risk rating.

What This Job Offers

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