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Commercial Credit Analyst
Location:
Santa Fe, NM
Description:
Position Title : Commercial Credit Analyst I REPORTS TO : Based on Location (VP/AVP Commercial Lending) SUPERVISES: No JOB STATUS : Exempt JOB GRADE 12: $61,397.42 - $ 92,096.41 Annually JOB SUMMARY : This employee is responsible for assisting the Commercial Loan Department with the analyzing of financial information provided by businesses and/or individuals that are submitting a request for a Commercial/Business loan to determine the risk that the Credit Union would have with the loan. Prepare cash flow analysis of personal and business tax returns and financial statements. Prepare reports that are based upon the findings that will assist in the decision-making process. Assist in the documentation of the Commercial loan portfolio. Assist in the opening and maintenance of Commercial/Business deposit and loan accounts to ensure that all necessary documentation is obtained. All employees of State Employees Credit Union are proactive, result driven, and fully committed to the Credit Union's mission and vision. They strive to achieve the highest standards of excellence and consistently exceed the expectations established by Credit Union Management. DUTIES/ RESPONSIBILITIES: Prepare and submit commercial & business loan. Take a lead role in the analyses of commercial credit applications and related. Responsible for evaluating a borrower's capacity to pay, capital position, economic trends as well as forecasts in mitigating loan-risk. Identifying special risk based on the unique needs of the borrower as well as the loan, in order to making recommendations through underwriting to effectively manage commercial credit risk. Compile, prepare, and present credit approval presentations for loan. Interview commercial & business members for new accounts and loans. Prepare cash flow analysis of personal and business tax returns as well as financial statements. Maintain and review commercial loan maturity report. Collect commercial & business loan financial documentation for annual reviews and possible renewals. Complete and update commercial & business loan. Review commercial & business loan call report provided by CFO. Keeps abreast of local & national economic as well as financial, political & legislative events which could have an impact on commercial lending. Ensure State ECU provides high quality services to its members in lending and related transactions. Participates in any other activities deemed necessary to further support the lending functions of State ECU. Ensures that all State ECU policies and procedures are followed. Comply with all applicable laws & regulations as well as having strong work knowledge. Understand compliance issues & attends training as they relate to Commercial Credit Analyst, including, but not limited to Anti-Money Laundering, OFAC, Bank Secrecy Act; Reg P; Patriot Act. Report all suspicious activity to the BSA Compliance Officer, and following policy/procedure as it pertains to the job. Job Related Travel - As required. Performs other duties as assigned. EDUCATION/ EXPERIENCE: Education or experience equivalent to a bachelor's degree in accounting, finance, or related field, in addition to 1 to 3 plus years of relevant experience. QUALIFICATIONS: Strong interpersonal relationship/communication skills and attention to detail. Advanced knowledge in the review of commercial credit applications and borrower capacity. Extensive experience with accounting, financial statements, cash flow, and borrower-risk analysis. Ability to work independently with little supervision as well as in a team environment. Strong analytical skills. Experienced in the appraisal and underwriting of commercial loans. Proficient with the Microsoft Office. GENERAL REQUIREMENTS: Must be capable to execute all terms and conditions set forth in the Employee Handbook, including but not limited to: Works in a safety conscious manner which ensures that safe work practices are used in order not to pose a risk to self or others in the workplace. Adheres to policy on Drug Free. Complies with company policies and procedures and local, state and federal. PHYSICAL REQUIREMENTS: Requires sitting for long periods of time, some standing, walking, kneeling, stooping, bending, lifting, grasping and fine hand coordination. Visual and aural acuity required. Finger and hand dexterity required. Must be able to lift 15 pounds maximum, with occasional lifting and/or carrying of objects weighing up to 10 pounds. Requires ability to remain calm under stressful situations. Must be able to access and navigate each department at the organization's facilities. State Employees Credit Union offers a highly competitive benefits package Applications must be received by Human Resources State Employees Credit Union of New Mexico is an Equal Opportunity Employer Equal Opportunity Employer, including disabled and veterans.
Company:
State Employees Credit Union
Posted:
December 26 2023 on ApplicantPro
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More About this Listing: Commercial Credit Analyst
Commercial Credit Analyst is a Accounting & Finance Credit Analyst Job at State Employees Credit Union located in Santa Fe NM. Find other listings like Commercial Credit Analyst by searching Oodle for Accounting & Finance Credit Analyst Jobs.
Commercial Credit Analyst is a Accounting & Finance Credit Analyst Job at State Employees Credit Union located in Santa Fe NM. Find other listings like Commercial Credit Analyst by searching Oodle for Accounting & Finance Credit Analyst Jobs.