Credit Analyst-Business Services

Credit Analyst Business Services Have good knowledge of current Business Services Credit policy. Review a credit request(s) to determine new and / or current Borrower(s) and Guarantor(s), transaction purpose, transaction type, term, repayment structure, and potential collateral. Analyzes financial statements, tax returns, credit reports, along with other financial and collateral information to determine the ability of a potential or existing Borrower(s) and Guarantor(s) to repay new and renewal credit transactions, along with feasibility of modifications to new and existing credit transactions. Monitors existing transactions in credit portfolio on a daily, monthly, quarterly, semiannually, and annual basis to assure compliance with terms, conditions, financial reporting, along with qualitative and quantitative covenants in executed loan documents for Borrower(s) and Guarantor(s). Knowledge of credit union products and services for providing service and solutions to current and potential business members according to all credit union policies and procedures and Federal and State rules and regulations. Understand and comply with all state and federal regulations and laws. Ensure loan documents are in compliance with all Federal and State regulations including the Bank Secrecy Act requirements. Bank Secrecy Act knowledge will be determined by the employee's position and responsibility. Each employee of St. Louis Community will be held to and accountable for each of the areas outlined in our "ACT" plan listed below: Accountable Reliable: ready to work at scheduled times DWYSYWD: do what you say you will do Responsible: perform job duties accurately, on time and within budget; don't pass the buck when something goes wrong Resourceful: run it like you own it (use CU resources wisely) Avoiding actions that warrant a write-up Compliant Adhere to all Credit Union policies and procedures Having a strong attention to detail to avoid repeated errors and errors due to blatant negligence. Teammate Supportive: help your co-workers succeed Cooperative: work together, not in isolation (together, everyone achieves more) Golden Rule: treat others the way you want to be treated Attitude: help create a friendly and positive atmosphere wherever you are Having no negative internal survey reports Complete special projects and miscellaneous assignments or functions as required and/or assigned. Qualifications: Bachelors' Degree in Business (Accounting or Finance preferred). Some experience in a small business or commercial relationship lending. Ability to communicate clearly with credit union members both in person and over the phone (orally and in writing) as well as staff. Must be able to handle pressure and deadlines exceptionally well. Must have the ability to set priorities and obtain established goals. Must be able to work precisely and accurately with numbers and legal documents. Must have a professional appearance and member-service oriented in both attitude and performance. The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to do data entry, stand / walk, bend / stoop / crouch, kneel / push / bend, talk and / or hear. The employee must occasionally lift and/or carry up to 30 pounds. The employee must occasionally drive from his or her home office to different branches. #J-18808-Ljbffr St. Louis Community Credit Union