Commercial Credit Analyst

Duties and responsibilities include but are not limited to the following:

• 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 commercial loan relationships.
• 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.
• Adheres to Credit Union credit standards and works constructively with and abides by credit department guidelines.

Competency/Skill Level:

• Excellent written and verbal communication skills.
• Working knowledge of Excel and Word.
• Analytical ability with strong attention to detail.
• Ability to meet deadlines.
• Initiative.
• Problem assessment and solving skills.
• Teamwork.
• Tolerance for stress.
• Practical learning skills.
• Personal development as established with manager.  Annual training provided.
• Prior experience in credit analysis is preferred but not required.

Benefits and Compensation:

• Paid Holidays
• Paid Time Off (Vacation, Sick and Personal Days)
• Medical, Dental and Vision Insurance
• 401(k) retirement program with matching funds
• Employer paid Group Term Life Insurance, Short Term and Long-Term Disability Insurance
• Tuition Reimbursement Program

Liberty FCU is an Equal Opportunity Employer, Minority/Female/Disability/Protected Veteran.