SENIOR CREDIT ANALYST

Fox Communities Credit Union • Appleton, WI

7h • Hybrid

About The Position

We currently have a career opportunity for a full-time Senior Credit Analyst based out of our Calumet office in Appleton! After initial onboarding onsite, this position could have the opportunity for hybrid (4 days onsite/week, 1 remote) work consideration.

The Senior Credit Analyst
is responsible for assessing the creditworthiness and financial stability of commercial members. This involves analyzing a variety of financial data to evaluate the risk associated with extending credit or lending money to businesses, playing a crucial role in helping the organization make informed decisions regarding credit approvals and loan recommendations. The Senior Credit Analyst role requires a combination of financial expertise, critical thinking skills, and a deep understanding of commercial lending practices to effectively evaluate credit risk and support sound decision-making within the organization.

Requirements

• Bachelor’s degree in finance, accounting, economics, or a related field
• Extensive experience in commercial credit analysis, preferably in a financial institution
• Knowledge of commercial lending practices, credit risk assessment, and financial statement analysis
• Strong analytical skills, attention to detail, and the ability to interpret complex financial data
• Excellent communication and interpersonal skills
• Proficiency in financial analysis tools and software as well as Microsoft Excel

Responsibilities

• Promoting and upholding the Fox Purpose, Mission, Vision, and Values
• Analyzing financial statements: Reviewing and analyzing financial statements, income statements, balance sheets, cash flow statements, and other financial data provided by commercial members to assess their financial health and creditworthiness
• Conducting risk assessments: Evaluating the credit risk of commercial members by assessing factors such as industry trends, market conditions, business performance, and management strength
• Preparing credit proposals: Compiling detailed credit proposals outlining the findings of the credit analysis, including recommended credit limits, terms, and conditions
• Performing industry research: Staying informed about industry trends, economic conditions, and regulatory changes to assess how they may impact the credit risk of commercial members
• Collaborating with Loan Officers: Working closely with Loan Officer and other stakeholders to gather additional information and provide recommendations on credit decisions
• Monitoring credit portfolios: Monitoring the performance of existing credit accounts, identifying potential risks, and recommending appropriate actions to mitigate credit losses
• Ensuring compliance: Ensuring that all credit decisions comply with regulatory requirements, internal policies, and risk management guidelines
• Communicating: Effectively communicating complex financial information and credit recommendations to decision-makers within the organization

Benefits

• medical
• dental
• vision
• life
• short term and long-term disability insurance
• 401k (Roth and Traditional), which includes company contributions including match
• paid time off
• caregiver leave
• Paid Volunteer Time Off

What This Job Offers

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