Career Center

Supports the business lenders in performing analysis on diverse types of borrowers (both individuals and businesses) and completes credit memorandums for new and existing credit union relationships.  Assists lenders in determining the most appropriate loan structure and provides information and assistance to the Vice President Credit Administrator.

Key responsibilities include inputting and analyzing financial data (tax returns, financial statements, and credit bureaus) to determine business and global cash flow of commercial borrowers and to interpret the repayment capacity of borrowers to minimize risk and help grow revenue for the credit union.  The Business Credit Analyst is crucial in ensuring loan packages are complete according to bank policy and regulatory guidelines, monitoring covenant compliance, and for completing timely annual reviews on large loan customers.

• Credit risk analysis skills.
• Thorough understanding of global cash flow and underwriting criteria.
• Loan documentation and application system knowledge (preferred).
• Ability to work independently and as part of a team.
• Working knowledge of credit union, state and federal policies, procedures and laws regarding lending.
• Sageworks Analyst software operating system (preferred).