Commercial Credit Analyst

Requirements

• Bachelor's Degree in Finance or Accounting preferred.
• 2 years prior Commercial Analyst/Lending experience is preferred.
• Strong attention to detail and analytical skills are required.

Responsibilities

• Perform annual financial reviews for commercial relationships.
• Spread and analyze business tax returns, business financial statements, personal tax returns, personal financial statements for new and existing credits.
• Complete credit monitoring functions including spreading and review of financial statements, borrowing base and covenant testing, marketable securities and leveraged lending monitoring.
• Makes preliminary recommendation to Commercial Department Management.
• Attend and participate in loan committee meetings as required.
• Assures all basic underwriting guidelines are met.
• Develop a working knowledge of the Commercial Loan Policy and NCUA regulations regarding member business lending.
• Oversees and manages financial information in regard to appropriate compliance tracking.
• Maintains expertise in new and current analysis procedures.
• Maintains expertise in new and changing underwriting guidelines and industry regulations.