Credit Analyst / Underwriter

Job Description

Job Description

JOIN our dynamic team as a Business / Commercial Lending Credit Analyst, where your expertise in business lending underwriting and portfolio management will be essential. We're looking for an individual who has a proven track record in spreading financials and making insightful credit memo recommendations. If you are driven, detail-oriented, and ready to make an impact in a fast-paced environment, we want to hear from YOU!

Title: Credit Analyst / Underwriter - Analyze credit and Underwrite Business / Commercial Loans

Pay information: $56,243 - $84,364

Position Status – Full-time Exempt

Reports To: Business Lending Manager

The listed pay information includes the minimum rate of pay to the max-point rate of pay for the posted position The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector.

We believe great work is to be rewarded with great benefits. Our benefits include, but aren’t limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays.

Purpose : The primary purpose of this position is to assist Atlanta Postal Credit Union (APCU) to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”

The Business Lending Credit Analyst II role is responsible comprehensive analytical review of commercial loan request and periodic reviews to ensure compliance with commercial lending policies, and procedures. The incumbent provides independent analytical and credit review support to the Business Lending and Business Services areas of the credit union.

Essential Duties and Responsibilities: Other duties may be assigned.

1. Deliver outstanding service to both internal and external members that is in alignment with our Service Promises:
   1. I promise to be mindful of your time with fast, efficient, courteous, and friendly service.
   2. I promise to demonstrate integrity in all my interactions.
   3. I promise to always treat you with dignity and respect.
   4. I promise to work with fellow employees throughout the credit union to ensure you receive the best possible products, service, and solutions.
   5. I promise to safeguard the security and confidential nature of your financial information.
   6. I promise to greet you with a smile and thank you for your business when your transaction is completed.
   7. I promise to deliver on our mission to help you achieve financial success by providing exceptional products and service.

1. Deliver outstanding service to both internal and external members that is in alignment with our Service Promises:

1. Spread and analyze financial statements, including cash flows, performance ratios, and proformas to develop initial assessments by identifying strengths and weaknesses pertaining to a borrower’s past and future performance.
2. Coordinate completion and reviews of MBL loan requests of any loan relationship/request size, including commercial vehicles, equipment, and real estate.
3. Work with Loan Officers in preparing in-depth written analyses on loan relationships for presentation in the approval process. This includes credit investigation of borrowers and guarantors; economic and market conditions as they relate to the company, industry, and market area; historical financial analysis, and analysis of a guarantor’s financial position and cash flow coverage.
4. Collect and maintain industry data; research industry specific information from outside sources, including conversations with the borrowers, industry publications, credit agencies, etc. Present compiled data and recommends enhancements.
5. Attend loan approval and loan audit meetings as required and requires the ability to answer questions regarding an analysis of a particular loan proposal. Prepare entire proposal packages, as necessary.
6. Establish and maintain credit files for each relationship. Ensure that member’s credit information such as loan documentation, financial statements, tax information, insurance binders, credit history from trade references, and correspondence are incorporated in the credit file, are current, and are obtained in a timely manner. Notify management of any violations, and request follow-up to resolve or waive.
7. Prepare and send out notification letters to members requesting updated credit information and financial statements, as necessary.
8. Assist the department manager in writing or updating policies and procedures relating to Member Business Lending.
9. Provide support to management in the development and implementation of special reports and/or special projects to maintain a sound and solid loan origination process.
10. Perform collateral analysis as needed: appraisals, environmental reviews, flood certs.
11. Effectively uses written and oral communication skills in daily correspondence and completion of tasks.
12. Maintains up-to-date knowledge of the products and services offered by the credit union
13. As required, may assist management in providing on the job training to other credit analysts in the department.
14. Maintains up-to-date and comprehensive knowledge and application of all state and federal laws and regulations applicable to business accounts, and commercial real estate transactions.
15. Adhere to NCUA regulations relating to Member Business Lending.

1. Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position.
2. Perform other duties as assigned.

Supervisory Responsibilities: No direct reports. Achieves established objectives and results through communications with internal and external stakeholders, managers, and members.

Qualification Requirements : To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

REQUIRED Education and/or Experience:

• A bachelor's degree in a finance, business administration, accounting, or other relative areas of study
• 2 years specific commercial credit analysis experience in a financial institution
• Relative commercial real estate work experience
• Working knowledge of financial analysis software

PREFFERED Education and/or Experience:

• A bachelor's degree in a finance, business administration, accounting, or other relative areas of study
• Commercial Banking and Credit Analyst (CBCA) or other relative certification(s)
• Prior credit analyst work in a credit union
• Previous experience with Symitar

Physical Job Requirements:

Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 20 pounds.

APCU Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. APCU Center Parc Credit Union prohibits harassment based on the same protected classes and criteria.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources.

Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.

We are unable to sponsor or take over sponsorship of an employment Visa at this time.