Senior Commercial Credit Analyst

Georgia's Own Credit Union

5d • Hybrid

About The Position

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today. This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office. SUMMARY: The Senior Commercial Credit Analyst is an integral part of the commercial credit team. It provides underwriting support by completing spreads and financial entries for business loans for small to mid-size businesses in the commercial and industrial segment, investor real estate and owner-occupied real estate primarily located in the state of Georgia by preparing accurate and timely financial information. The role also supports Portfolio Management functions including the completion of Annual Loan Review memos and working with Commercial Relationship Managers to ensure that insurance, property taxes and other pertinent documentation are on file.

Requirements

• Bachelor’s degree in business, to include two levels of accounting classes or at least 5+ years of experience with accounting, financial statements or tax returns.

Responsibilities

• Complete Annual Loan Reviews for existing borrowers including but not limited to financial analysis using updated financials, collateral analysis, business and personal credit score analysis and updating the risk rating based on the previous factors.
• Spread financial statements and tax returns for businesses and individuals with the accurate placement of figures from financial statements and tax returns into spreading software
• Prepare cash flow, leverage and debt service charts as needed
• Work with the commercial underwriters to measure covenants
• Develop, apply, and evaluate regulatory policies and procedures for the department; ensure that staff comply with policies and procedures and understand changes in requirements; maintain a thorough knowledge of policies and procedures and trends in the credit union industry, with particular attention to the Bank Secrecy Act, Patriot Act, and with robbery procedures.
• Perform other duties as may be assigned

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 251-500 employees