Credit Analyst I

We are seeking a Full-Time Credit Analyst to underwrite loan requests while adhering to established credit union policies and conform to regulatory statutes. The ideal candidate will have the ability to balance outstanding member service with evaluating credit risk for the credit union and structure the deal accordingly. Responsibilities Reviewing business loan applications and supporting financial statements to determine the borrowing capacity, capitalization and cash flow dynamics for the applicant. Use analytical software to evaluate loan requests; perform the initial analysis required to complete all data fields, interpret the results, including any externally derived credit scores, and determine the need for further investigation or analysis. Spread financial statements, calculate certain ratios, including measures of liquidity, leverage and cash flow, and submit the request to the appropriate approval channel. Preparing the credit memorandum, as well as any other reports necessary, along with the appropriate recommendation for review by the appropriate loan committee. Attend Credit Loan Committee meetings, presenting summary information and participating in discussions on other loans being considered. Performing annual reviews on the commercial loan portfolio pursuant to the credit union guidelines. Assisting in the servicing of existing MBL relationships as needed. Gathering data to maintain various portfolio monitoring and control reports. Performance Measurements Assuring member service is top priority including treating members and other employees professionally with courtesy and respect and upholds the MHV Service Standards. Possesses a broad knowledge of commercial lending and commercial banking laws, with the aptitude to assimilate NCUA member business loan regulations and the Credit Union's Member Business Loan Policies and Procedures. Having strong analytical skills and ability to make sound judgments. Keeps management informed regarding key operational issues affecting the department. Maintaining strong credit underwriting skills, including business and individual financial statement analysis with special focus on liquidity, leverage, cash flow and risk grading. Having a thorough knowledge of the job; rarely need to ask questions. Staying abreast of current trends affecting the financial services industry; has an overall knowledge of the credit union, its policies and procedures and continually expanding knowledge and developing skills. Being aware of departmental goals and deadline requirements and attains as required. Acting as a good team player; makes recommendations for operational improvements; participates in credit union sponsored community activities or charitable fundraising events. Knowledge And Skills Three to five years of similar or related experience. A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Strong analytical skills, the ability to make sound judgments, strong time management, and the ability to manage multiple workloads with successful results. As well as the ability to work independently, with good organizational skills, and excellent written communication skills, listening skills. This also includes problem analysis, problem resolution, interpersonal skills and proficiency; computer skills (i.e., Microsoft Office) #J-18808-Ljbffr