Senior Commercial Credit and Performance Analyst
|Jan. 04, 2016 - Dec. 20, 2018|
|Benefits:||Quarterly Bonus, Benefits|
|Department:||Elevations Credit Union|
Position Summary: Responsible for supporting Business Lending by analyzing commercial credit opportunities, recommending appropriate lending structures, delivering quality credit memos with support and participating in the annual review process. Day to day work will include cash flow analysis, spreading business financials and tax returns, spreading guarantor financials and tax returns, and other commercial underwriting functions. The CCA is expected to take the initiative to make improvements to business services procedures and processes to enhance the work environment and member experience. The incumbent will help ensure adherence to all Federal and State laws and regulations applicable to the Credit Union, including the Bank Secrecy Act.
Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such report will be not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.
|Duties:||Analyzes commercial credit opportunities (including but not limited to, cash flow, debt service coverage, leverage, liquidity, collateral loan to values, risk analysis, etc.)|
Generates quality credit memos for credit committee with accurate, thorough and thoughtful supporting documentation
Assists members and internal departments with research and resolution of problems relating to business services commercial lending products.
Ensures the integrity of the loan origination and annual review process by verifying accurate business loan data.
Ensures loan recommendations conform to the Credit Union's lending policies and are in compliance with regulatory and legal requirements.
Works with the internal Business Intelligence Team in creating and communicating critical performance data related to all commercial products and services.
Works with IT and other supporting departments on necessary technology and project implementations and enhancements
Assists Business Lending teammates as needed
Education Requirements: Must have 4 year college degree in finance, accounting, business management or closely related field. Masterís degree in finance, accounting, business management or related field is a plus. Additional commercial underwriting training a plus.
|Qualifications:||Knowledge, Experience and Skill Requirements: |
Must have minimum five years of experience as commercial underwriter or closely related position working with credit analysis of business and personal financials.
Commercial & Industrial (C&I) lending experience a must.
Commercial Real Estate lending a plus.
Experience with common financial institution technology a plus (Symitar, Baker Hill, Salesforce, Imaging Software, Power Pivot, etc.)
This Job Description is not a complete statement of all duties and responsibilities of this position and may change with or without notice.
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