Credit Analyst

Credit Analyst SpecialistNCRC CDF is seeking an exceptional and detail-oriented Credit Analyst Specialist to manage and oversee a high volume of small business and affordable housing loans. The ideal candidate will be an adept multi-tasker, goal-driven, and highly focused on ensuring loans are serviced accurately and timely. This role requires close collaboration with financial professionals and clients to maintain the integrity of loan servicing, payment processing, and account updates.The Credit Analyst Specialist will also be responsible for analyzing loans, preparing credit analysis for the loan committee, and conducting annual credit reviews. They will write credit memos and summaries with recommendations for loan officers. Additionally, the manager will track, analyze, and manage non-performing, underperforming, and delinquent loans, ensuring delinquency rates stay within policy standards.This position is based in Washington, DC near McPherson Square Metro as part of a hybrid environment with Tuesdays, Thursdays, and sometimes Wednesdays in the office.Responsibilities include:Loan Management: Set up and maintain files for small business and affordable housing loansPayment Processing: Ensure timely and accurate processing of loan paymentsAccount Monitoring: Update insurance coverage, and account statuses, and track loan performanceCustomer Service: Address borrower inquiries, resolve servicing issues, and provide account-related informationCredit Analysis & Reporting: Perform loan analysis, prepare credit reports, and present findings to the loan committeeAnnual Loan Reviews: Conduct annual credit reviews and prepare memos with recommendations for loan officersClient Relationship Management & Customer Service: Maintain strong client relationships by providing exceptional customer service throughout the loan process.Financial Analysis & Loan Structuring: Spread financial information, calculate and analyze financial ratios, assist in loan structuring, and contribute to loan approval, renewal, and annual review documentationCredit Risk Assessment & Compliance: Research and assess credit risk by evaluating credit history, analyzing credit data, recommending loan ratings, approving or denying loan modification requests, and ensuring adherence to loan policiesCollateral Inspections & Appraisals: Conduct collateral inspections, evaluations, and reviews of appraisals to ensure compliance with required standardsTracking & Documentation: Oversee the tracking and timely request of necessary customer financial reporting documents to ensure ongoing loan monitoringReporting & Compliance Monitoring: Prepare and submit monthly/quarterly reports and monitor compliance with loan covenants, identifying non-compliance and recommending corrective actions as neededCredit Analysis & Risk Rating Recommendations: Perform detailed analyses of new credit requests, credit change requests, renewals, and annual relationship reviews. Recommend risk rating adjustments based on thorough credit assessmentsCredit Analysis & Service Delivery: Provide comprehensive and actionable credit analysis, ensuring efficient and timely service to loan officers and stakeholdersRisk Identification & Reporting: Report to the Risk Manager any findings that may adversely affect loan collateral or a borrower’s ability to repay the loan, submitting required reports as necessaryPolicy Adherence & Exception Reporting: Maintain up-to-date knowledge of lending policies and procedures, identifying and reporting any exceptions to policyFile Review & Quality Control: Ensure all credit files are complete, identify any documentation deficiencies, and collaborate with loan officers and credit administration to resolve issues promptlyQualifications include:3-5 years of loan servicing and portfolio management experienceExperience with financial spreading toolsKnowledge, skills, and attributes include:Strong ability to understand and analyze financial data, including Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc., and apply these skills effectively within the loan underwriting processHighly organized, efficient, and capable of working independently with attention to detail to generate accurate reportsApplied knowledge of loan servicing and portfolio management, including an understanding of industry best practices and fundamentalsStrong grasp of basic financial principles and processesKnowledge of federal, state, and local regulatory requirements governing loan servicing and underwritingAbility to handle confidential information with integrity and professionalismExceptional analytical skills with a keen eye for detailExcellent communication, negotiation, and interpersonal skills, with the ability to interact effectively with internal and external stakeholdersCapacity to multitask and perform under pressure to meet tight deadlinesProficient in Microsoft Office Suite (Word, Excel, PowerPoint) with advanced expertise, and familiarity with additional software toolsInterested applicants may submit their cover letter and resume online at No phone calls/emails, please.NCRC IS AN EQUAL-OPPORTUNITY EMPLOYER.EEO/AAM/F/D/V