Join our team at Gesa Credit Union as a Sr. Commercial Loan Credit Analyst. Analyze commercial credit requests, assist with credit approval recommendations, and perform financial statement and tax return analysis. Requirements include 4+ years of experience in commercial credit analysis, proficiency in MS Office and commercial lending platforms, and ability to work under pressure.
Requirements
- Spread and analyze personal and business financial information as well as entity ownership structures to understand creditworthiness of proposed loan.
- Recommend loan structures and terms to loan officers.
- Prepare Credit Approval Document, with ability to complete 100% of the document including financial spreadsheets, cash flow analysis, global cash flow, and RMA industry analysis.
- Underwrite renewals, modifications, and extensions of existing credits.
- Ensure that all credit files include proper documentation including current financial statements, agency reports, etc.
- Prepare letter requests for update financial statements and tax returns from borrowers/guarantors and maintain tickler system.
- Assist Loan Officers in preparing letters of interest and loan commitment letters.
- Assist Loan Officers with portfolio monitoring activities including annual loan reviews and problem loan reports.
- Supervise and assist other members of the credit analyst team in the absence of the Commercial Credit Analyst Manger.
- Accurately process daily commercial credit transactions including but not limited to: (a) answering incoming phone calls, (b) performing the initial credit analysis to determine if member’s credit requests satisfy policies and procedure guidelines, and (c) preparing and processing all documentation for those credit transactions.
- Assist Commercial Loan Processors in ordering appraisal, environmental reports, and appraisal logs.
- Provide support to credit union members and staff in explaining commercial credit policies and procedures.
- Maintain a professional work environment and work under restricted time constraints.
- Maintain awareness of state and federal laws, regulations, and Gesa’s member business lending policies and procedures.
- Demonstrate support of corporate values, mission, and vision.
Benefits
- Competitive Pay
- Medical, Dental, Vision, and Life Insurance
- 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
- 401(k) Match
- Incentive Program
- Tuition Assistance and Student Loan Repayment
- Commuter Benefits
- Paid Time Off to Volunteer in the Community
- Product discounts
- Engaging Work Environment
- Rewards and Recognition Programs
